I read the letter from Ctos CEO Chung Tze Keong with much amusement. All these years, consumers have been fighting an invisible foe.

Well, Chung, could you advise us illiterate citizens how to go about clearing our name when your blacklist is not even official. Ctos is smarting from comments from M Kayveas. Is it because there is no forum to rebut these allegations. Yes, it is frustrating to hear that bad things have been said about you from a third party who has probably not even met you.

Now you feel a little of how the millions of consumers nationwide feel when their loan or card application is rejected because of bad credit history reports from parties or persons whom who never had any real dealings with.

If Ctos is so transparent, please have a platform to share with the public how you obtain your data. How credible is your system of updating records in your database? How credible are your checks and balances that the information will not be abused?

If you consider it as a service to financial institutions by reporting those with credit problems, why is it then "not a service" to remove or update data when that person has cleared his or her record or debts?

Is the scope of Ctos then limited only to gather data to show/update records until it reaches the ‘blacklisted’ stage and no further than that. Is it not considered a service to the financial institutions that a person is removed from the blacklist?

My wife, a government teacher who had been diligently servicing her car loan, got a shock when she was blacklisted for not paying seven consecutive months when in fact she had settled the full loan with her savings. This only came to light when she went to collect her car registration and the bank officer informed her casually that she had been blacklisted but it was no problem because she had fully settled her loan three years ahead of schedule.

Well, as for Kayveas, I have a few times disagreed with his opinion but on this one I take my hat off for him for speaking out for the silent majority.