{"id":188,"date":"2026-11-03T12:52:34","date_gmt":"2026-11-03T12:52:34","guid":{"rendered":"https:\/\/ringgitsihat.my\/uncategorized\/ccris-and-ctos\/"},"modified":"2026-11-04T09:31:26","modified_gmt":"2026-11-04T09:31:26","slug":"ccris-and-ctos","status":"publish","type":"post","link":"https:\/\/ringgitsihat.my\/en\/debt-amp-credit\/ccris-and-ctos\/","title":{"rendered":"CCRIS and CTOS"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Whenever you apply for a loan, credit card or phone financing, the lender checks your credit record. The two names you hear most are CCRIS and CTOS.<\/p>\n\n<h2 class=\"wp-block-heading\">CCRIS <\/h2>\n\n<p class=\"wp-block-paragraph\">(Central Credit Reference Information System) is run by <strong>Bank Negara Malaysia<\/strong>. It records your borrowing from financial institutions and your repayment history for the <strong>last 12 months<\/strong>, including credit applications. It holds facts only \u2014 no score.<\/p>\n\n<h2 class=\"wp-block-heading\">CTOS <\/h2>\n\n<p class=\"wp-block-paragraph\">is a private credit reporting agency. It combines CCRIS data with other information (such as court and bankruptcy records) and produces a <strong>credit score from 300 to 850.<\/strong><\/p>\n\n<h2 class=\"wp-block-heading\">How to check CCRIS for free (eCCRIS)<\/h2>\n\n<ol class=\"wp-block-list\">\n<li>Go to eccris.bnm.gov.my and choose \u201cDaftar Sekarang\u201d (Register).<\/li>\n\n\n\n<li>Enter your name, MyKad number, date of birth, phone number and email.<\/li>\n\n\n\n<li>Verify your identity with an RM1 internet-banking transfer \u2014 it is refunded.<\/li>\n\n\n\n<li>Log in with the OTP and set a password.<\/li>\n\n\n\n<li>View, download or print your report.<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">Note: CCRIS is not real-time. Institutions report by the 10th of the following month, so a loan settled in May may only show as settled around 10 June.<\/p>\n\n<h2 class=\"wp-block-heading\">What to check<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Every account is really yours (an unknown one can signal identity theft).<\/li>\n\n\n\n<li>No late payments recorded by mistake.<\/li>\n\n\n\n<li>Settled loans are marked as settled.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Report errors to the institution that submitted the data.<\/p>\n\n<h2 class=\"wp-block-heading\">Keep your record healthy<\/h2>\n\n<ul class=\"wp-block-list\">\n<li>Pay on time (set up auto-debit).<\/li>\n\n\n\n<li>Avoid many applications in a short period.<\/li>\n\n\n\n<li>Use only a small part of your card limit.<\/li>\n\n\n\n<li>Don\u2019t act as a guarantor without understanding the risk.<\/li>\n<\/ul>\n    <div class=\"ps-key-takeaways\">\n        <h3 class=\"block-title\"><svg class=\" icon icon-lightbulb\" aria-hidden=\"true\" role=\"img\"><use href=\"https:\/\/ringgitsihat.my\/wp-content\/themes\/lab9pro\/assets\/images\/icons.svg#icon-lightbulb\" xlink:href=\"https:\/\/ringgitsihat.my\/wp-content\/themes\/lab9pro\/assets\/images\/icons.svg#icon-lightbulb\"><\/use><\/svg>Key takeaways<\/h3>\n        <ul class=\"wp-block-list\">\n                            <li class=\"benefit-text\">CCRIS = Bank Negara\u2019s factual record, CTOS = a private score.<\/li>\n                            <li class=\"benefit-text\">Check CCRIS free via eCCRIS at least once a year.<\/li>\n                    <\/ul>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The difference between CCRIS and CTOS, how to check your CCRIS report free via eCCRIS, and how to keep a healthy credit record.<\/p>\n","protected":false},"author":1,"featured_media":189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-amp-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v1 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CCRIS and CTOS: What They Are and How to Check Your Credit Report<\/title>\n<meta name=\"description\" content=\"The difference between CCRIS and CTOS, how to check your CCRIS report free via eCCRIS, and how to keep a healthy credit record.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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