Debt Planning
If your monthly payments are getting harder to keep
If money has been feeling heavy lately and every loan attempt feels like another disappointment, we get it.
This Credit Diagnostics session helps you understand what’s happening in your CCRIS and monthly commitments, and why the bank is responding the way it is. Not to judge you, just to give you clarity.
You don’t need to figure it out alone anymore. We’ll explain it in plain English, then guide you on the next step that makes sense for your situation, calmly and one step at a time.
What You’ll Get
After this, you’ll walk away with:
- A clear picture of where you stand, without confusing terms
- The real reasons things are getting stuck, usually just a few key points
- A simple affordability view to show where the pressure is coming from
- A shortlist of priorities, what to fix first, what can wait, and what to avoid
- A practical next-step plan you can follow without feeling overwhelmed
- Peace of mind because you’ll finally have a direction
What We Check
We keep it human and practical. We look at what banks usually focus on, explain what it means for you, and turn it into small, doable steps, so you feel supported, not lectured.
- CCRIS walkthrough
- Commitments + affordability check
- Key issues and next steps
Any questions find here
Yes. We’ll guide you step by step to download it from eCCRIS. For safety, we will never ask for your password or OTP. Only you should log in and download your report.
If you give us your consent, we can help run the CTOS check and review it together. Consent is required before a credit report can be disclosed or shared.
Just tell us which one you want first. For CCRIS, you download and send it to us. For CTOS, we will share a consent form for you to approve first, then we proceed.
Yes, as long as you share only the report file itself and keep your login details private. We will never ask for your password, OTP, or MFA codes. For CTOS, we only proceed with a check when you have given consent, and the use and disclosure of credit information is governed by the rules under the Credit Reporting Agencies framework.
No. We are just reviewing your reports and your numbers with you. What can leave a trail is repeatedly applying to multiple banks without a plan. That’s why we help you diagnose first, then move only when it makes sense.