For most people, one of the first steps of owning a home is to apply for a loan. To increase your chances of approval, the wise thing to do is to get a CTOS report and make yourself familiar with your credit score. 1. What is CTOS? The  CTOS Data Systems Sdn Bhd (CTOS) is one of Malaysia’s leading Credit...

Every year has its defining moments – in 2020 – it would have been the Olympics, Brexit, the 36th ASEAN Summit, the long-awaited release of Marvel Studio’s Black Widow movie… the list goes on. The last six months, however, have shown us that what we plan for ourselves is not always what life has planned for us.  The Covid-19 pandemic...