Not at all, there is no fee for an initial meeting. We only start charging when actual work needs to be done, such as if you decide to enroll in our Credit Refresh Program and Debt Relief Program.
Have any questions? Feel free to contact us:
FAQs
To get started, we highly recommend you to get your Credit Plus Report first, this is a free, no-obligation process that helps you decide whether or not should you commit to any of our programs. You can contact us directly through our email or WhatsApp, we will get back to you in one business day.
Credit Plus Report is a proprietary credit analysis tool developed by E-Ways Group to help Malaysians to understand their financial health by showing them the negatives sign in their Credit Report. Credit Plus Report is great for those who wish to prepare themselves before applying for any sort of loans.
Anyone who has plans to apply for a mortgage, hire-purchase, personal loan or credit card in the coming three to six months is encouraged to request Credit Plus Report, this will help you to prepare yourself and understand your chance of getting a loan before submitting your loan application. By doing so you can avoid applying for a loan at the wrong banks.
Credit Plus Report is a free credit analysis tool that we provide to everyone before they enrol in our program. Credit Plus Report come with a free 1-on-1 consulting session to answer all your questions regarding your financial health. You are free to walk away with your Credit Plus Report without committing to any of our programs.
We will need to submit your income documents such as payslips and EFP statement plus CTOS/CRISS to generate a Credit Plus report that accurately reflects your current financial health.
All your personal information will be discarded once you complete the program, and we will never share your information with any third party.
Besides using a personal loan to finance a large purchase, it can be used to consolidate your credit card debt into one affordable monthly payment. What makes this scenario even more appealing is that you can convert your expensive credit card interest rate into a cheaper rate, plus you can regain your available credit limits.
We do not provide any sort of loans to our clients; we only provide consultation to our clients and help them make a smart choice in selecting the right type of loan. Usually, at the end of our program, we will recommend a banker to our client to assist them in applying for a loan. All finances come directly from Banks and Non-Bank Financial Institutions through a legitimate way.
When you wish to get finance and happen to have any loan rejected in the past 12 months, we suggest you consider our Credit Improvement Program. Our program has a proven track record in helping many clients bring their CUR back to a healthy level plus we can remove negative entries on credit reports through careful planning. The ultimate goal of a CIP is to help you get your loan approved.
A CIP aims to improve your CTOS score so that you have a better chance of getting a bank loan approved. CRP alone will not make your credit score worse.
You should consider a Debt Relief Program when you are in financial hardship. One of the signs is that you are unable to make the minimum payment to your credit card for more than three months. Do not wait until you have burned out all your savings before taking action. A Debt Relief Program is the cheapest solution to prevent you from getting sued by creditors. Under DRP, all your unsecured debts will be restructured into one affordable monthly repayment. The new monthly repayment can go as low as just 1.5% of your outstanding credit card amount. One of the biggest drawbacks of DRP is that you are unable to get a new loan while you are in the program.
While you are in the process of a Debt Relief Program, you may decide to do things such as stop payment to the bank while waiting for approval. Doing so may affect your credit scoring during the initial stage.