Table of Contents

How to Check Special Attention Account in Malaysia

Key Takeaways

  • Individuals can check for any special attention account by obtaining a CCRIS report from Bank Negara Malaysia (BNM).
  • You can also obtain detailed credit report, including CCRIS records, from registered credit reporting agencies like CTOS and Experian.
  • This information is helpful because it shows your creditworthiness to banks or financial institutions when you apply for loans.
  • Seek advice from financial advisors or legal experts if you are unsure of how to resolve the special attention accounts.

The crucial step towards improving your financial health is understanding how to check your special attention account.

By staying informed about accounts that are under close scrutiny by financial institutions, you can safeguard your finances and economic well-being. Let’s dive into the steps you need to take to access this critical information, offering you insights and strategies to manage these accounts effectively.

What is Bank Negara Malaysia’s Role in Special Attention Accounts

Bank Negara Malaysia (BNM), which is the Central Bank of Malaysia, plays a crucial role in the regulatory oversight of Special Attention Accounts (SAA).

BNM sets stringent guidelines and frameworks that all banking institutions must adhere to when managing these accounts.

By familiarising themselves with the regulations laid out by BNM, account holders can have a clearer understanding of their financial rights and obligations.

Read More: What You Should Know About Personal Financing in Malaysia

How to Check Special Attention Account in Malaysia

1. Visit the Bank Negara Malaysia (BNM) Customer Service Centre

Start by heading to the Customer Service Centre at BNM’s Head Office.

Remember to bring along your MyKad (Malaysian identity card) and any additional identification documents like your driving license or passport for verification.

2. Request Your CCRIS Report

Obtain your Central Credit Reference Information System (CCRIS) report from the BNM Customer Service Centre.

The CCRIS report provides detailed information about your credit history, including any accounts under SAA.

3. Review Your CCRIS Report

Carefully examine the report to identify any loans or accounts marked under the SAA category.

Look for details related to impaired loans or accounts flagged for special monitoring by financial institutions.

4. Seek Professional Advice

If your account is under special attention and you feel uncertain about the next steps, consider consulting financial advisors or legal experts.

They offer tailored advice based on your situation and help you navigate Malaysia’s financial regulations.

5. Request for a MyCTOS Score Report

Apart from BNM, consider obtaining a credit report from a registered credit reporting agency like CTOS.

Individuals can obtain their CTOS Score and credit report from CTOS Data Systems.

This report includes broader information, such as dishonoured cheques, signs of identity theft, trade references, legal records, and business interest, alongside your CCRIS records which highlight any accounts under SAA.

6. Request for an Experian Credit Report

Another avenue is to obtain a personal credit report from Experian, choosing either Basic or Plus options.

The Plus comprehensive report will include information like:

  • Personal details
  • Shareholding/directorship
  • Litigation records
  • Bankruptcy status
  • CCRIS records (where any account under SAA status will be listed)
  • DCHEQS records (history of any dishonoured cheques)
  • Banking & non-banking credit payment history

7. Claim Your Basic MyCTOS Credit Report

For Touch ‘n Go eWallet users, Touch n’ Go Group has partnered with CTOS to offer a free basic MyCTOS credit report with CCRIS.

In order to claim the basic MyCTOS report, follow these steps:

  • Download the Touch ‘n Go Wallet app on iOS or Android.
  • Make sure that you register your credit card with the Touch ‘n Go Wallet app.
  • On the app’s home page, tap the CTOS icon.
  • Click the “Check FREE Report Eligibility” button on the following page. If a blank page appears, consider redownloading the app.
  • Grant CTOS permission to access personal details (name, mobile number, email, ID number, etc.).
  • An email with instructions on how to access your credit check information will be sent.

Note that the free report won’t show detailed CCRIS data, and it might be worthwhile to pay an additional RM26.50 for a comprehensive CTOS report.

8. Request Checking from Bluebricks

As an alternative, you can approach Bluebricks for assistance in checking for any accounts with SAA.

All we need is a copy of your IC (both sides). Our free checking service can determine if any of your accounts are under SAA.

This service provides a report equivalent to the MyCTOS report valued at RM26.50.

Read More: How to Open an EPF Account in Malaysia?

Bluebricks’ Professional Loan & Consultancy Services

With our guide, you can gain a clear understanding of your Special Attention Account status and take informed steps towards managing your financial health in Malaysia.

Bluebricks, a leading bank loan and debt consolidation agency, can help borrowers understand their financial situation before applying for any loan products.

Our extensive range of financial services, include:

We help you understand the application process and guide you towards the most suitable products by considering:

  • The specific loan amount you require.
  • The urgency with which the loan amount is needed.
  • Whether you or your parents own a property that has been held for over ten years.
  • Your income level.

Your CTOS score (such as your credit score and credit history).

Why Bluebricks

1. One of the Top 10 Leading Loan Agencies in Malaysia

Our loan agents represent both individuals and businesses, offering technical financial advice to help secure loan approvals. Even if banks have previously rejected you, we provide access to a broad spectrum of loan options. Our aim is to enhance the success rate of your loan applications and minimise rejections.

2. Over 10 Years of Experience

With over a decade of experience and current banking knowledge, we excel in securing personal, business, mortgage, and collateral loans, navigating challenges like CTOS/CCRIS, and guiding clients confidently towards successful loan approvals.

3. One-Stop Solution

We provide a one-stop loan service, compiling various options from banks and credit institutions for you. Simply submit your income statement, assets, liabilities, employment record, and credit history, and we’ll handle the collateral and documentation to streamline your loan approval process.

4. Full Financing with 100% Bank Loans

We ensure 100% bank loan availability to provide full financial support, making it easier to achieve your goals and build a positive credit history.

5. No Upfront Payment Required

Our no upfront payment policy is designed to ease your financial journey, allowing you to start your investment without initial costs, reducing immediate burden and demonstrating our commitment to your satisfaction and trust.

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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!

I want to know about bank loans
Picture of 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!

I want to know about bank loans

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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 loan agency company, we have extensive knowledge and experience in mortgage, personal loans, 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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