How to Check Your CCRIS & CTOS Report in Malaysia (2026 Step-by-Step Guide)
Before applying for any loan in Malaysia, check your credit report first. Here’s exactly how to access CCRIS and CTOS for free, what the numbers mean, and what to do if something is wrong.
Quick answer
CCRIS is run by Bank Negara Malaysia (BNM) and is free at eccris.bnm.gov.my. CTOS is a private credit bureau and offers a free basic score in the CTOS app.
You should check both before applying for a personal loan, hire purchase, or mortgage.
CCRIS vs CTOS: What’s the Difference?
| Aspect | CCRIS | CTOS |
|---|---|---|
| Operator | Bank Negara Malaysia | CTOS Data Systems Sdn Bhd (private) |
| What it shows | 12 months of loan repayment history with banks & financial institutions | Score (300-850), legal records, bankruptcy, trade references |
| Cost | Free (1 report/day) | Free basic score · Full report ~RM25-35 |
| Includes a score? | No (raw data only) | Yes (300-850 range) |
| Used by | All licensed banks & lenders | Banks, telcos, employers, landlords |
Bottom line: Lenders look at both. CCRIS shows your actual repayment behaviour; CTOS gives a quick risk score and adds non-banking signals like court cases.
How to Check CCRIS Online (Free, 5 Minutes)
BNM launched the eCCRIS portal so Malaysians no longer need to queue at the BNMLINK counter. Here’s the process:
Register at eccris.bnm.gov.my
Go to eccris.bnm.gov.my and click “Sign Up”. You’ll need your IC number, mobile number, and a personal email.
Verify your identity
Choose between online verification (MyKad with NFC reader on phone) or in-person verification at any BNMLINK branch (KL, Penang, JB, Kuching, Kota Kinabalu).
Login & download
After approval (usually 1-3 working days), login, click “CCRIS Report”, and download as PDF. You can do this once per day for free.
Read your report
The report shows: outstanding credit (loans, credit cards), application history (last 12 months), and special attention accounts (defaults, restructured loans).
Tip: If you don’t have an NFC-capable phone, in-person verification at BNMLINK only takes 15 minutes. Bring your original IC.
How to Read Your CCRIS Report
Look at the “Outstanding Credit” section. Each row is a loan or credit facility. The 12-digit code shows monthly payment status:
| Code | Meaning | Impact |
|---|---|---|
| 0 | Paid on time | Good |
| 1 | 1 month late | Minor concern |
| 2-3 | 2-3 months late | Red flag |
| 4+ | 4+ months late / written off | Likely rejection |
| R | Restructured/rescheduled | Concern |
Real example: A code reading 000000001000 means you missed one payment 4 months ago but have been on time since. Most lenders forgive this. 222220000000 shows recent improvement after past trouble — still risky to lenders.
Seeing arrears months on your own report right now? Read what happens if you can't pay your personal loan in Malaysia — it covers the escalation timeline, how to restructure with your lender, and free AKPK help.
How to Check CTOS Score (Free in 2 Minutes)
Download the CTOS app (iOS / Android) or go to ctoscredit.com.my
Sign up with your IC number, email, and phone
Verify via SMS OTP and selfie/MyKad photo
View your CTOS Score (300-850) instantly — basic version is free, no credit card needed
Optional: pay RM25-35 for the full CTOS Score Report (recommended once before a major loan application)
CTOS Score Bands
Found a Mistake? How to Dispute
- Identify the source. Is the wrong entry from a bank, a settled loan, or a court case? Each has a different fix.
- Contact the lender directly. If a bank reported a payment as late but you have proof of on-time payment, email the bank’s complaints unit with receipts. They are required to update CCRIS within 14 days.
- Escalate to BNM. If the lender ignores you or insists they’re right, file a complaint at bnmlink.bnm.gov.my or call BNMTELELINK at 1-300-88-5465.
- For CTOS errors, use the in-app dispute form. CTOS investigates and responds within 21 working days under the Credit Reporting Agencies Act 2010.
- For settled court cases still showing, obtain the sealed settlement order and submit it to CTOS for removal.
When to Check Before Applying for a Loan
- 3 months beforea major application (mortgage, large personal loan) — gives time to fix issues.
- 1 week beforeapplying — confirm nothing has changed.
- After settling a debt — verify it was reported as “closed”, not still “outstanding”.
- Annually — catch identity theft early. Loan applications you didn’t make will appear here first.
Score lower than expected? Read our guide to improving your credit score and the 10 reasons loans get rejected so you don’t waste an application.
Frequently Asked Questions
Is checking my CCRIS report free?
Yes. Bank Negara Malaysia provides one free CCRIS report per day through the eCCRIS portal at eccris.bnm.gov.my. CTOS offers a free basic score, but a full CTOS Score Report typically costs RM25-RM35.
Does checking my own CCRIS or CTOS lower my credit score?
No. A self-check is a soft inquiry and does not affect your credit score. Only hard inquiries from lenders when you apply for credit can temporarily lower your score.
How long does negative information stay on CCRIS?
CCRIS keeps 12 months of repayment history. Settled defaults stay visible for 12 months after closure. Bankruptcy records can stay on CTOS up to 7 years even after discharge.
What CTOS score do I need for a personal loan in Malaysia?
Most banks prefer a CTOS score of 697+ (Good to Excellent). Licensed money lenders are more flexible and accept 580+. Below 580 is considered poor and rejection is likely from banks.
How do I dispute an error on my CCRIS report?
Contact the lender that reported the wrong information directly first. If unresolved within 14 days, escalate to BNMTELELINK at 1-300-88-5465 or submit a complaint via bnmlink.bnm.gov.my.
Ready to Apply With a Clean Profile?
Once you’ve checked your CCRIS & CTOS, get a free pre-approval assessment from E-platform credit. Soft check only — won’t affect your score.
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Borrow Responsibly — Things to Consider First
- A personal loan is a debt with interest. Understand the full APR, total repayment, and tenure before you commit — not just the monthly figure.
- Borrow only what you genuinely need. A larger loan or longer tenure means more total interest paid.
- Keep your total monthly commitments within a comfortable debt-service ratio so repayment does not strain essentials.
- Missed or late payments can lead to extra charges and affect your CCRIS/CTOS record and future borrowing.
- Struggling with debt? You can get free, confidential help from AKPK, Bank Negara Malaysia's credit counselling and debt management agency.
Official References & Regulators
- Bank Negara Malaysia (BNM)Central bank — financial regulation & consumer education
- KPKT — Ministry of Housing & Local GovernmentRegulator for licensed money lenders (Moneylenders Act 1951)
- AKPKFree credit counselling & debt management (a BNM agency)
- CTOSCheck your credit report and score
E-platform credit is a KPKT-licensed money lender (Licence No. WL7010/14/01). Information here is general and not personalised financial advice.
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