When credit reference agency CTOS madeheadlines recently, some parties spoke up insupport of its services while many others slammedit. But one thing that all parties agree on is thatMalaysia needs to set up a transparent creditbureau system that looks at both good and badpayments.
WHEN H.L. Phua (not his real name) found the house of his dreams, he was ecstatic. He placed a down payment and started the process of obtaining a loan to finance the puchase of the house.
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