Credit Score (CTOS / CCRIS)

Finance

CCRIS and CTOS are the main credit reference systems lenders use in Malaysia. CCRIS (Central Credit Reference Information System) is run by Bank Negara Malaysia and records your borrowings, repayment behaviour over recent months, and any special attention accounts. CTOS is a private credit reporting agency that compiles a report and score using CCRIS data plus other public records such as legal cases. Banks check these when you apply for loans or credit cards. Paying on time and not over-borrowing helps your record. You may request your own report to check accuracy. Scoring details are subject to the latest rules.

Related terms

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