CTOS vs Dah Settle

CTOS is Malaysia’s leading credit reporting agency with more than 1 million CTOS ID users! This application enables you to obtain your CTOS User ID so that you can:- 1. Get your CTOS Score report via the mobile app to monitor your credit health 2. Subscribe to CTOS SecureID to safeguard yourself from identity theft, fraud and scams 3. Amend your CTOS ID profile so that it is accurate and up-to-date MyCTOS Score Report =================== • Increase your chances of loan approval • Check for warning signs of identity theft & fraud • See if there's litigation or bankruptcy case under your name • Check if you owe anyone (Trade References - eTR) • Fix inaccuracies and 'clean up' your credit report CTOS SecureID ============= 1. Fraud Alerts: • Dark Web Monitoring: Scanning over 14 billion data breach records to detect if your info has been compromised • New Credit Application: Alerts you on any new credit applications under your name • Credit Limit Changes: Alerts you on any changes in your credit limit (increased or decreased) • Account Closure: Alerts you on closures of any credit facilities under your name • Changes of Address: Alerts you on any address changes associated with your NRIC number • Scam Alerts: Provide you alerts on latest scam so you can take precautions 2. Credit Monitoring: • Score Updates: Monitor changes in your credit score reports every 3 months • Missed Payments: Monthly alert on missed payments • Bankruptcy Records: Know if bankruptcy cases are falsely booked or reported under your name • Litigation Records: Know if anything legal is falsely booked or reported in court system • Trade Referee Listings (eTR): Know if you are listed by non-financial institutions for outstanding debt 3. Takaful Coverage • Up to RM20,000 takaful coverage: Get coverage for financial losses due to fraudulent transactions and more.. We are constantly updating the CTOS ID mobile app to add more features. Download now! Learn more at www.ctoscredit.com.my Like us on Facebook for more updates at https://www.facebook.com/ctosdatasystems

SPLIT BILLS THE EASY WAY Dah Settle makes managing shared expenses simple and stress-free. Whether you're living with roommates, sharing costs with a partner, or splitting bills with friends, our app keeps everything transparent and organized. CORE FEATURES Split Expenses Your Way • Split bills equally among all members • Create custom percentage splits for uneven arrangements • Track who paid what and who owes whom • Mark expenses as paid with a single tap Recurring Expenses Made Simple • Set up monthly recurring bills that auto-add when due • Perfect for rent, utilities, subscriptions, and regular expenses • Pause or activate recurring bills anytime • Automatic adjustment for months with fewer days Multiple Spaces • Create separate spaces for different households or groups • Each space has its own members, expenses, and payment history • Perfect for managing both home expenses and shared vacation costs • Switch between spaces instantly Smart Organization • Categorize expenses (groceries, utilities, rent, dining, and more) • Add custom categories for your unique needs • Filter expense history by person, category, date, or payment status • View summary statistics at a glance Split Templates • Save common split arrangements as reusable templates • Apply templates instantly to new expenses • Perfect for regular splitting patterns DESIGNED FOR PRIVACY Your data stays on your device. Everything is stored locally with no account required, no cloud sync, and no tracking. Export your data anytime for backup purposes. BEAUTIFUL AND INTUITIVE • Clean, modern interface that's easy to navigate • Dark mode for comfortable viewing anytime • Automatic saving - never lose your data PERFECT FOR • Roommates sharing rent and household expenses • Couples managing joint finances • Friends splitting vacation costs • Families tracking shared expenses • Anyone who needs to split bills fairly FROM MALAYSIA WITH CARE "Dah settle" is a Malaysian phrase meaning "already settled" - that satisfied feeling when everything is balanced and squared away. Our mission is to make splitting bills so transparent and effortless that you can focus on spending quality time together, not worrying about who owes what. Money matters can strain relationships. Dah Settle helps keep things clear, fair, and peaceful. Download Dah Settle today and experience stress-free expense sharing.