2. Some say CTOS is a blacklist yet there are those who say it is not. What is it really?

Contrary to popular belief, the CTOS system is not a blacklist. The CTOS system is a “lead information system” and not a blacklisting system.

The information presented in CTOS are only meant to be “information leads”.  Credit grantors examine and decide if these leads are of such material nature as to have such a significant impact that a further probe is warranted.

When further probes are necessary, credit grantors check with the relevant parties like the plaintiff, the solicitors or even the subject themselves of the case’s current status, the nature and origin and cause of such actions etc.

Credit grantors then make their own decisions accordingly in compliance to their own business strategies and policies.