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How to Check Your Credit Score in Malaysia (CCRIS & CTOS)

Your CCRIS report is free via Bank Negara's eCCRIS portal (RM1 refundable deposit). Your CTOS score is free twice a year. Here is what each report contains, how to read it, and what you can do if something is wrong.

CCRIS Report

Free (RM1 deposit, refunded)

CTOS Basic Report

Free (twice a year)

CTOS Score Range

300 – 850

Dispute Resolution

21 days (CTOS)

CCRIS vs CTOS — what is the difference? CCRIS is a factual record of your borrowing history maintained by Bank Negara Malaysia. It contains no score — just raw data. CTOS is a private credit reporting agency that uses CCRIS data plus additional sources (court records, bankruptcy, cheques) to generate a credit score (300–850). Most banks check both before approving loans.

CCRIS: Bank Negara's Credit Reference System

CCRIS — the Central Credit Reference Information System (Sistem Maklumat Rujukan Kredit Pusat) — is maintained by Bank Negara Malaysia (BNM). Every licensed financial institution in Malaysia is required to report your credit information to CCRIS.

What CCRIS contains

Section	What it shows
Outstanding credit	All active loans, credit cards, and credit facilities — balances, limits, institution names
Payment history	Past 12 months of payment status for each account (on time, 1 month late, 2 months late, etc.)
Credit applications	All loan/credit applications in the past 12 months (approved and rejected)
Special attention accounts	Accounts flagged by banks — restructured loans, accounts under close monitoring

CCRIS has no credit score. It is a data report, not a scored assessment. The numbers tell a story, but you need CTOS or a bank's internal model to translate that into a pass/fail for a loan application.

How to check CCRIS online (eCCRIS)

Go to eccris.bnm.gov.my This is Bank Negara's official eCCRIS portal. Have your MyKad and internet banking ready.
Register for an account Click "Daftar" (Register). Enter your IC number (nombor kad pengenalan), email address, and mobile number. You will receive an OTP to verify.
Transfer RM1 for identity verification BNM requires a RM1 transfer from your bank account to a designated BNM account to verify your identity. This RM1 is refunded to you within 2 working days. Do this via your internet banking or mobile banking app. The portal will give you the account number and reference code to use.
Complete verification and access your report Once BNM confirms receipt of the RM1, your account is activated. Log in and download your CCRIS report as a PDF. The report is available immediately after activation.

Free alternatives (no RM1 needed): Walk-in to any AKPK (Agensi Kaunseling dan Pengurusan Kredit) branch or a BNMLink kiosk to get your CCRIS report printed for free on the spot. Bring your MyKad.

How to read your CCRIS report

Each credit account listed will show monthly payment status codes:

Code	Meaning
0	No outstanding balance / no payment required this month
1	Payment made on time (current)
2	1 month late
3	2 months late
4	3 months late
5 or higher	4 or more months late — serious delinquency

Banks want to see all 1s. Any 2s, 3s, or higher are red flags that will reduce your chances of approval or result in higher interest rates.

CTOS: Private Credit Score (300–850)

CTOS is Malaysia's largest private credit reporting agency, operating under the Credit Reporting Agencies Act 2010. Unlike CCRIS, CTOS aggregates data from multiple sources and generates a credit score on a 300–850 scale.

What CTOS contains (beyond CCRIS)

Data source	What it includes
CCRIS data	All borrowing history from licensed institutions
CTOS Score	Proprietary score from 300 (poor) to 850 (excellent)
Bankruptcy records	Any bankruptcy proceedings from the Insolvency Department
Legal notices	Writ of summons, judgment debts, statutory demands
Dishonoured cheques	From the DCHEQS (Dishonoured Cheques System)
Business directorships	Any companies where you are a director or shareholder

CTOS score ranges

Excellent

750–850

Best rates, fast approval

Good

700–749

Most loans approved

Fair

650–699

Possible, stricter terms

Poor

300–649

Likely rejection

How to get your free CTOS report

Go to ctosid.ctos.com.my Or download the MyCTOS app (Android / iOS). CTOS offers a free Basic Report twice per year to every Malaysian.
Register with your IC number Enter your NRIC (nombor kad pengenalan), email, and mobile number. You will need to verify your identity via OTP.
Upload identity documents CTOS may request a copy of your MyKad and a selfie for identity verification. This is a one-time step.
Receive your MyCTOS Basic Report Your free report will be available to download as a PDF. It includes your CTOS Score, CCRIS summary, bankruptcy status, and legal notices. Full paid reports (MyCTOS Score Report) cost RM26.50–RM27.

Free CTOS via CompareHero.my: CompareHero.my has a partnership with CTOS that allows you to access a free CTOS Score report (not just the Basic Report) by signing up through their platform. Worth checking if you want the score without paying RM27.

What Banks See When You Apply for a Loan

When you apply for a home loan, car loan, or credit card in Malaysia, the bank will typically check both CCRIS and CTOS. Here is what they look at:

From CCRIS

Payment history (past 12 months): Any late payments? How many months late?
Current debt load: Total outstanding balances across all institutions
Recent applications: Multiple new credit applications in a short period signals financial stress
Special attention accounts: Any restructured or monitored loans

From CTOS

CTOS Score: Below 650 is a significant risk signal
Bankruptcy records: Any undischarged bankruptcy = almost certain rejection
Legal judgments: Outstanding court judgments suggest inability or unwillingness to repay
Business exposure: Directorship in a company with bad credit can affect personal assessment

78% of banks use both CCRIS and CTOS when evaluating mortgage and loan applications. A clean CCRIS can still fail if your CTOS has a legal judgment. Check both before applying for any major credit.

How to Improve Your Credit Score

Your CTOS score is calculated using five weighted factors:

Factor	Weight	What to do
Payment behaviour	45%	Pay every bill on time — even minimum payments. This is the most important factor.
Amount owed	20%	Keep total debt and credit card utilisation below 30% of your total credit limit
Credit mix	14%	Having a variety of credit types (cards, personal loan, hire purchase) helps moderately
New credit	14%	Avoid applying for multiple new credits within a short period — each hard inquiry lowers your score
Credit history length	7%	Keep old accounts open — closing them shortens your average credit age

Common mistakes that hurt your score

Missing payments by even one month: A 30-day late payment can drop your score by 17–83 points
Applying for multiple loans or cards at once: Each application triggers a hard inquiry. Banks see this as desperation
Maxing out credit cards: High utilisation (above 30%) signals cash flow problems
Closing your oldest credit card: Reduces credit history length
Not checking your report: Errors go undetected and uncontested

Timeline for improvement: Late payments stay on your CCRIS record for 12 months and CTOS for up to 24 months. There is no shortcut — consistent on-time payments over 6–12 months is the only reliable method.

How to Dispute Errors in Your Credit Report

Disputing CCRIS errors

CCRIS data is reported by your financial institutions — BNM does not create the data. If something is wrong, contact the financial institution that reported the incorrect information (not BNM directly). Provide evidence: bank statements, payment receipts, or settlement letters. The institution will submit a correction to BNM.

Disputing CTOS errors

CTOS has a formal dispute process with a 21-day resolution target:

Phone: 03-2722 8833
Email: Raise a ticket via ctoscredit.com.my/disputes
Evidence required: Court discharge letters (for settled bankruptcy), bank statements (for disputed payment records), or statutory declarations for identity errors

Legal records require legal evidence. If your CTOS shows a bankruptcy that has been discharged, you need the official discharge letter from the Insolvency Department (Jabatan Insolvensi) to get it removed. This process can take 30–60 days from the date of discharge.

Pre-Loan Application Checklist

Before applying for any major loan (home loan, car loan), run through this checklist:

Check CCRIS — via eccris.bnm.gov.my. Look for any late payment codes (2, 3, 4+) or unfamiliar accounts
Check CTOS — via MyCTOS app or ctosid.ctos.com.my. Check score, legal notices, and bankruptcy status
Dispute errors immediately — do not wait. Resolution takes 21–30 days, so start early
Reduce outstanding credit card balances — aim for below 30% utilisation before applying
Do not apply for other credit — hold off new applications for at least 3 months before your loan application
Check your DSR (Debt Service Ratio) — banks want your total monthly debt repayments to be below 60–70% of gross income. See personal loan guide →

Pro Tips

Check both reports at least once a year

Errors in credit reports are more common than you might expect — closed accounts still appearing as open, payments marked late when they were not, or even someone else's account linked to your IC. Catching these early gives you time to dispute before you need the clean record for a loan.

Do your rate shopping within a short window

If you are comparing home loans across three banks, submit all applications within the same 14-day period. Credit scoring models generally treat multiple hard inquiries for the same loan type within a short window as a single inquiry — reducing the impact on your score.

Check your spouse's CCRIS before applying for a joint loan

For joint home loan applications, banks assess both applicants. A spouse with a poor credit profile can cause rejection even if your own credit is excellent. Review both CCRIS reports at least 6 months before applying — that gives time to clean up any issues.

AKPK offers free credit counselling

If your CCRIS shows serious delinquency or you are overwhelmed by debt, AKPK (Agensi Kaunseling dan Pengurusan Kredit) offers free financial counselling and debt management programmes. They can negotiate reduced repayment plans with your creditors. Contact: 1-800-88-2575 or akpk.org.my

Frequently Asked Questions

Does checking my own credit report affect my score?

No. Checking your own CCRIS or CTOS report is a "soft inquiry" and does not affect your score. Only when a bank or lender checks your report (a "hard inquiry" triggered by a credit application) does it have a potential score impact.

My CCRIS is clean but my loan was rejected. Why?

Several reasons: your CTOS may have a legal notice or bankruptcy record that CCRIS does not show; your Debt Service Ratio (DSR) may be too high relative to your income; your employment type (contract, self-employed) may not meet the bank's criteria; or the bank's internal risk model may have additional scoring factors. Ask the bank for the specific reason for rejection — they are required to disclose this.

How long do negative records stay on CCRIS and CTOS?

CCRIS shows the past 12 months of payment data. Older records are automatically removed. CTOS keeps negative information (late payments, legal notices) for longer — typically 24 months for payment history, and longer for legal judgments. Bankruptcy records remain until you receive a discharge letter from the Insolvency Department.

I never had a loan or credit card. Will my loan application be approved?

Having no credit history (sometimes called "credit invisible") can be as problematic as bad credit. Banks have no data to assess your repayment behaviour. Starting with a small credit card or hire purchase and maintaining a clean record for 12–24 months is the most effective way to build a credit profile before applying for a major loan.

Is there a third credit bureau besides CCRIS and CTOS?

Yes. Experian (formerly RAM Credit Information / RAMCI) is another credit reporting agency operating in Malaysia, accessible through MyCreditInfo.com.my. However, CCRIS (Bank Negara) and CTOS are the two most commonly checked by banks and financial institutions.

Can I see who has been checking my CCRIS?

Your CCRIS report includes a section showing which financial institutions have recently accessed your report. If you see a bank you do not recognise querying your record, it may indicate a credit application was made in your name without your knowledge — contact BNM immediately at 1-300-88-5465.

Disclaimer: This guide is for informational purposes only and reflects publicly available information as of March 2026. Credit score ranges, report costs, and procedures may change. Always verify current terms directly with Bank Negara Malaysia (eccris.bnm.gov.my), CTOS (ctoscredit.com.my), or AKPK (akpk.org.my) before making financial decisions.