CCRIS: A Comprehensive Guide on CCRIS Report and Credit Score

Have you ever heard of CCRIS Report? If you’re considering applying for a loan from a bank, you might’ve heard it being mentioned here and there.

It could be an endless journey for a first-time loan applicant to get your loan application approved. That is, if you are not familiar with the CCRIS Report and your credit score.

But before you panic, don’t! Here’s all you need to know about CCRIS Report, credit score and their importance for your loan application.

What is a CCRIS Report?

The Central Credit Reference Information (CCRIS) is a system created and managed by the Credit Bureau of Bank Negara Malaysia (BNM), which compiles credit information about borrowers or potential borrowers of participating financial institutions in Malaysia into standardised reports or CCRIS Report.

The borrowers include individuals, businesses, companies, professional bodies, associations, societies and governmental bodies.

Participating financial institutions include, but are not limited to banks, Islamic banks, investment banks, development financial institutions, insurance companies, payment instrument issuers, rehabilitation companies, building societies, credit leasing companies and government agencies.

They will update BNM monthly with the necessary data such as the profile of the borrowers, credit application details and credit account details. The data is then compiled into a credit report, which financial institutions such as banks can access.

Using the CCRIS Report as a reference, banks will be able to assess the creditworthiness of a potential borrower before deciding on the approval of the loan application.

In other words, your CCRIS Report is like your financial health report card and allow banks to decide whether or not you’re eligible for a loan.

How does a CCRIS Report differ from CTOS?

When applying for a loan, CTOS is often mentioned and required alongside CCRIS, and some of us may think they are the same, but they are not.

The following tabulates the differences between CTOS and CCRIS:

What it isCentral Credit Reference Information SystemCTOS Data Systems Sdn Bhd
DescriptionA system created by Bank Negara Malaysia (BNM) that compiles credit information about a borrower or potential borrowers into standardised credit reports.CTOS maintains a record of historical information about a person’s credit experience to assess individuals’ or business companies’ creditworthiness and repayment capabilities.
Governing authorityCredit Bureau Bank Negara MalaysiaPrivately-owned
Content of report-Outstanding loans

-Indication of joint loans or loans in partnership

-Indication of Special Attention Accounts (usually Non-Performing Loans or any account under the close supervision of financial authorities)
-Identity verification

-Directorship and business interests

-Banking payment records

-Legal actions against

-Trade referees and subject comments
Source of informationAll banks and financial institutions-National Registration Department

-Registrar of Societies

-Malaysia Insolvency Department

-Companies Commission Malaysia

-Publications of legal proceedings, notices in newspapers and government gazettes
Availability of reportFree-Free (MyCTOS Basic Report)

-RM24.85 (MyCTOS Score Report)
Access methodVisit Bank Negara or its branchesA request via emailCCRIS Online Available online
Span of credit history archived12 monthsIndefinitely

Now that you understand the difference between CCRIS and CTOS, you probably wonder why banks need your CCRIS Report and how your credit score impacts your loan application. Let’s discuss further.

How does my credit score impact my loan application?

A credit score indicates a consumer’s credit risk and reflects your creditworthiness to banks. Hence, having a good credit score can be beneficial for loan applicants.

However, unlike CTOS Report, your CCRIS Report does not give a direct credit score or rating. This is because BNM is not involved in any participating financial institution’s lending decisions.

What it provides, as tabulated above, are factual information such as

  • Credit card debts
  • House loans
  • Personal loans
  • Car loans
  • Trade facilities
  • Banking overdraft

This information, alongside your income statement and other relevant documents, will serve as a reference and evidence by which the banks can assess you on.

Ultimately, the bank will solely determine your credit score when assessing your creditworthiness based on risk appetite, lending policies and other relevant factors.

If the outcome of your CCRIS Report is positive, the bank will usually have no qualms to approve your loan application. Thus, your CCRIS Report contributes a major part to the approval of your loan application.

Take note that being rejected from a loan application will be noted on any further CCRIS reports requested in the next 12 months.

What if there are inaccuracies in my CCRIS Report?

Suppose you believe the information in your CCRIS Report is inaccurate or not up-to-date. In that case, you may lodge a data verification request directly to banks (for loan account information) or BNM (for your information) via eCCRIS. The banks or BNM will then rectify any inaccurate or incomplete information by sending the amendment(s) to the Credit Bureau to reflect your latest credit position.

How can BlueBricks help?

Having a bad credit score is one of many reasons for a rejected loan application. As each bank or lender has its risk appetite and lending policies, it is crucial to have and maintain a credit score that is favourable and well-accepted by most banks.

Thus, this is where BlueBricks can help you on what you can do to improve your credit score and find ways to ensure a smooth and successful loan application.

Leading loan agency company in Malaysia

BlueBricks has years of experience as a loan specialist in Malaysia providing loan consultancy services and comprehensive loan rejected services.

If you submit a new loan application, BlueBricks offers FREE consultation and reports for CCRIS and CTOS prior to the submission. Above all, we do not charge any prepayment for the provision of said services.

Loan Rejected Services

Moreover, BlueBricks is a one-stop solution provider of comprehensive loan rejected services.

In case your loan application is rejected, we can help identify the underlying problems and reasons for rejection, develop a strategy, execute amendment and rearrangement, and resubmit to the bank with a higher chance of approval.

Discover more in-depth details on how we help our clients with their rejected loan applications. If you need help with your current or future loan application, find out more about our loan rejected services.

CCRIS Report – FAQ

Does BNM blacklist me if my rejected loan application is displayed in my CCRIS Report?

No. BNM merely provides factual information to be included in your CCRIS Report and does not give any judgement or opinion about your credit standing.

How can I check my CCRIS Report?

You can check your CCRIS Report through four ways:
CCRIS Online (initial registration in person at aty BNM branch is required)
CCRIS kiosk
BNMLINK Kuala Lumpur or its branches
Direct request via mail, email and fax to BNM Telelink

Can I authorise a representative to collect my CCRIS report for me?

Unfortunately, the credit report will only be released to the owner of the information. Vice versa, you won’t be able to collect it for anyone else, regardless of kinship.

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Wilson Wai Kit

Wilson Wai Kit

Senior Consultant

With extensive banking experience, notably as a mortgage sales officer at UOB Bank, Wilson leverages his understanding of loan applications and approvals to offer financial insights and support to empower individuals to make informed decisions regarding their financial futures.

Feel free to contact him for assistance with your financial needs!

Contact Wilson
Wilson Wai Kit

Wilson Wai Kit

Senior Consultant

With extensive banking experience, notably as a mortgage sales officer at UOB Bank, Wilson leverages his understanding of loan applications and approvals to offer financial insights and support to empower individuals to make informed decisions regarding their financial futures.

Feel free to contact him for assistance with your financial needs!

Contact Wilson



About Bluebricks

BlueBricks Holding is one of the top ten leading loan agency companies in Malaysia in terms of loan approval rates. As a leading licensed loan agency company, we have extensive knowledge and experience in mortgage and business loans, and this enables us to help our customers to get the deal that is best suitable to them.

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