Is my name still in BNM CCRIS database?

I used to own a credit card. Due to some financial difficulties I was unable to do the monthly payment for sometime until the bankers called me and gave me a proposal. At that period I wasn't able to get a loan/credit card for other banks.

I have just cleared my payment now and I'm awaiting my discharge letter. I have also done advance payment for my car installment which was backdated 1 month.

The questions are:
1. Is my name still in Bank Negara Malaysia (BNM) Central Credit Reference Information System (CCRIS) database?
2. Can I apply for loans/credit cards now?
3. If my name is still in BNM database, when will it be cleared?
4. Do I have to post a copy of the discharge letter to BNM?

Thanks.

Normally Central Credit Reference Information System (CCRIS) need 12 months from the month you make payment to clear from the systems.

Please be patient, DO NOT APPLY ANY LOAN or FACILITY NOW. It will effect your application after 12 months.

There are 2 type of payment cleared:

1) cleared only the arrears and
2) cleared the whole outstanding balance (full settlement)

For Number 1, your record will remain in the Central Credit Reference Information System (CCRIS) database for 12 months upon your repayment and for Number 2, your record will be delete from the database within 30 days or 15th of coming month upon the full settlement.