i was like u before, on 1 fine day i cleared all my loans, CCRIS appeared nothing at all.
but when apply for car loan it got rejected because too clean. so officer told me to apply credit card & then apply for HP again.
luck was with me when my HP got approved 1st then only CC.
try it bro. apply CC 1st.
too clean also considered as a problem....susah laa like that...

