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Improve access to financial credit facilities by checking and updating your CTOS Report and CCRIS Report before you apply.

Before submit application for loan, do you check your credit record? It will be good to know your repayment records first before banks disapprove your loan. This is because banks will not only check your income status but will also check your repayment ability.

How To Check Your Credit Records Via CCRIS and CTOS?

There are 2 major systems in Malaysia that tracking individual credit records which is CCRIS (Central Credit Reference Information System) and CTOS KL Registration. It is very simple way to check your credit records via CCRIS or CTOS. Here, I will brief you the steps by steps.

How to check your credit records via CCRIS?

CCRIS or known as Central Credit Reference Information System is a computerized database system that created by Bank Negara Malaysia for credit information on about 9 million borrowers in Malaysia. You can get a free instant credit report by 2 simple way.

1)  Walk In to Bank Negara

Walk in any branches of Bank Negara (Kuala Lumpur, Penang, Johor Bahru, Kuala Terengganu, Kota Kinabalu and Kuching) only on working day office hour. Please remember to prepare your personal NRIC and driving license.


Walk in Bank Negara and proceed to CCRIS Kiosk at ground floor. At the Kiosk machine, insert your IC then do your thumbprint verification. Get a printout of your credit report with free. 

2) Free Online printing

Check online at RAM Credit Information Sdn Bhd (RAMCI) A One-Stop Web-based Search Engine developed by RAMCI for Online Information on Companies, Businesses & Individuals.


Get a FREE copy of your Personal Credit Report BASIC (Follow step by step)

How to check your credit records via CTOS?

CTOS is a registered Credit Reporting Agency which privately runs a database maintaining information on legal proceedings against individuals and business entities in Malaysia. CTOS will provide your credit history in order to determine the risk by banks when you apply loan. You can get a free instant ctos report by 2 simple way.

1)  Walk In to CTOS Data Systems Sdn Bhd

The Address is: 


Unit 01-12, Level 9,Tower A, Vertical Business SuiteAvenue 3, Bangsar SouthNo. 8, Jalan Kerinchi, 59200, Kuala Lumpur


Personal Enquiries: 03-27228833 
Business Enquiries: 03-27228888 
(Mon-Fri 8:00am - 6:00pm)

1)  Free Online printing

The information is formatted into an electronic database which provides for an easy, quick and efficient checking process for loan applications, trade and business credits and for decision making by credit grantors and lenders.


Check online at CTOS Data Systems Sdn Bhd which provides for easy, quick and effeient checking process for information below:


  • Legal notices in Newspapers

  • Searches at the Companies Commission of Malaysia (CCM) or Suruhanjaya Syarikat Malaysia (SSM)

  • Government Gazettes & Publications

  • Searches at the Malaysia Department of Insolvency (MDI) or Jabatan Insolvensi Malaysia

  • National Registration Department (NRD) or Jabatan Pendaftaran Negara (JPN)

  • Searches at the Registrar of Societies (ROS)

  • Contact information provided by creditors / litigators / trade referees


Get a FREE copy of your Personal MYCTOS Credit Report (Follow step by step)

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