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Message: <blockquote data-quote="ICEMAN 68" data-source="post: 590587" data-attributes="member: 17">so far i've never heard of any1 (unless there is pls share ) got thier name cleared of CTOS unless you take a lawyer, but the process takes ages ..that's what i know off as a close friend of mine is stuck with this... yeh if ya have a strong FD balance etc etc from the said mentioned bank then perhaps they may give you a bit off by approving your credit with a minimal credit line...most bankers says so that they aren't using CTOS, but pls read carefully at the last coloum stated before you lay your signature ..ya need to tick for it or else the loan can't be approved ( that for house loan application )</blockquote>