CTOS is an organization that is responsible for gathering information about borrowers who have a record of bankruptcy or a bear suit. Usually when the period granted by a financial institution to customers to explain the outstanding balance is not complied with and some warnings for the sake of warning given to the debtor to pay the debt default, the financial banks or credit company is entitled to demand payment of the proposed suit against the debtor. When this happens, it will be difficult to apply for a loan with a financial institution (bank, credit agency etc.) to another.
At this stage, usually the bank will only receive full payment of the loan and did not receive any partial payment for the removal of the applicant data contained in CTOS system. At the moment, for government employees and statutory bodies still have opportunity to apply personal loan from cooperative (refer as Koperasi). This is because most cooperatives do not reflect blacklist records CTOS / CCRIS applicant.