THE SHORT ANSWER
What are CTOS and CCRIS?
The key difference is that CCRIS is BNM’s credit information system, while CTOS is a private credit reporting agency. Some CTOS reports include CCRIS records, but the two are not the same thing.
This guide helps you understand reports. Jomdana does not provide CTOS or CCRIS reports through this page; report-checking links take you to official channels.
What is CCRIS?
CCRIS stands for Central Credit Reference Information System. It collects information from participating financial institutions, including credit facilities, balances and payment history. It does not cover every debt or every provider. BNM’s official explanation ↗
What CTOS means: an agency that provides credit reports
CTOS Data Systems Sdn. Bhd. is a credit reporting agency listed by the Ministry of Finance through the Registrar of Credit Reporting Agencies under the Credit Reporting Agencies Act 2010. It provides reports using credit information and related records; contents depend on the report selected. MOF’s official list ↗
CTOS VS CCRIS
CTOS and CCRIS at a glance
Swipe left to see CTOS →
| Question | CCRIS | CTOS |
|---|---|---|
| Management | Bank Negara Malaysia (BNM). | CTOS Data Systems Sdn. Bhd., a registered private credit reporting agency. |
| Information | Facilities, balances, applications and payment history reported by participating institutions. | Depending on the report: personal information, business interests, litigation, bankruptcy and trade references; the full report also lists CCRIS and CTOS Score. |
| Credit score | BNM does not provide a credit rating or score through CCRIS. | CTOS Score is a separate credit score. The CTOS Basic Report excludes CCRIS and the score. |
| Cost of checking your own report | Your own report through eCCRIS is free. | Free basic and paid products are available. Check current contents, conditions and prices. |
| Application decision | Reports and scores inform assessment; financing providers decide using their own criteria. | |
| Official access | eCCRIS ↗ · BNM guidance | CTOS report options ↗ |
Table sources: BNM · CTOS. Check current details before selecting a report.
A report, a score and approval are three different things
A report presents records. CTOS Score summarises credit information as a three-digit score from 300 to 850. An application decision is made by the provider, which may consider income, affordability and other information. No single score guarantees approval across all products. CTOS Score explanation ↗
CHECK WHAT IS INCLUDED
Which report should you check: eCCRIS, CTOS Basic or the full report?
Choose based on the information you want to see. A free report does not necessarily include a CTOS Score, and you do not need to buy a report to access your own CCRIS records through eCCRIS.
Contents, free-access conditions and price checked on 5 November 2026 against BNM and CTOS. Details may change; official channels and current terms take priority.
If your question is “what have participating banks reported about my accounts?”, start with CCRIS. If you need a CTOS Score or broader CTOS records, check the contents of the selected CTOS report. One report does not replace every source a provider may use.
READING GUIDE
How to read a report: four things to check
Read the field labels and report date first. Distinguish the remaining balance, scheduled payments and amounts that are already overdue. These four checks help you identify questions for the party reporting the information.
READING GUIDE · NOT A COPY OF AN OFFICIAL REPORT
Identity & date
Confirm that the name and identification details belong to you. Check the report date before comparing it with recent payments.
Facilities & balances
Identify each provider and account. A remaining financing balance is not necessarily an overdue amount.
Payment history
Review monthly entries using the official field guide. If an entry does not match, compare it with statements and payment evidence.
Applications & other records
Check unfamiliar applications or records. Note the source and reference so your query can be investigated.
FICTIONAL LEARNING EXAMPLE
An RM4,000 balance does not mean RM4,000 is overdue
- Remaining financing balance
- RM4,000
- This month’s scheduled payment
- RM200
- Overdue amount in this example
- RM0
In this example, a balance remains even though nothing is overdue. If your report shows arrears that do not match your statements, ask the reporting party to verify them. These fictional figures are not an offer, an official report format or an eligibility assessment.
What CCRIS codes 0, 1 and 2 mean
In BNM’s explanatory notes, 0 means no instalments in arrears, 1 means one instalment in arrears, and 2 means two instalments in arrears. These are payment records for the reported period, not credit scores. Read BNM’s field notes (PDF) ↗
Swipe to see all 12 months →
| Oct 2026 | Sep 2026 | Aug 2026 | Jul 2026 | Jun 2026 | May 2026 | Apr 2026 | Mar 2026 | Feb 2026 | Jan 2026 | Dec 2025 | Nov 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 1 | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
How to read the example: October shows 0, while June still shows 2 in the history. This does not mean the account balance is zero or an application will be approved.
Special attention accounts and credit applications
BNM’s notes distinguish outstanding credit, accounts under close supervision by a financial institution, and credit applications. Do not assume an entry is a rejection decision; read its status and ask the reporting institution if it is unclear.
CCRIS shows 12 months of repayment history. Settling arrears changes the current position when updated; it does not immediately erase earlier history. BNM’s explanation of history and updates ↗
OFFICIAL CHANNELS
How to check CCRIS and CTOS online
Check CCRIS through eCCRIS
- Open the official eCCRIS portal through the BNM link below. If you do not have an account, read BNM’s registration guidance for your user category.
- Sign in yourself and complete the required security checks, including MFA where applicable. Do not give passwords or verification codes to anyone else.
- BNM’s guide directs individual users to ENQUIRY → Self Enquiry – Individual to obtain their own report. Follow the current portal instructions and consent steps.
- Review the date, accounts and payment history. Store the report securely if you need it for your own reference.
Open official eCCRIS · BNM registration & user guide
Accessing your own report through eCCRIS is free. New-user registration may involve a separate verification step; check BNM’s current requirements and instructions. Without internet banking, consult the AKPK kiosk registration options in BNM’s guide.
Check CTOS: choose the report you need
- Start on CTOS’s official site and compare report contents. Do not assume every option includes CCRIS or a score.
- Check the conditions of the free basic report or the price of a paid product before continuing with CTOS’s registration, identity verification and consent requirements.
- Read the selected report and identify the source of each entry. Use CTOS’s official contact channel if information is inaccurate.
CTOS distinguishes its Basic Report without CCRIS and a score from the full report that includes them. Free-access conditions and prices can change; check the selected product’s details.
PAYMENT, UPDATES AND HISTORY
After paying arrears, when does CCRIS update?
Payment and removal of history are different things. BNM states that reporting-institution updates appear on the 10th of the following month, subject to public holidays. The 12-month repayment history remains visible. BNM’s update explanation ↗
Payment made
Fictional example: arrears are paid on 15 October. Keep the receipt and confirm with the institution that payment has been allocated to the correct account.
Check the next reporting cycle
In this example, review the report after the November update cycle, allowing for public holidays. If the entry does not match, ask the reporting institution to verify it against the payment evidence.
Read history alongside the current position
Earlier entries can remain within the history window even after current arrears are paid. Check the relevant month and field before concluding that payment has not been recorded.
How long does it take to “clear CTOS”?
There is no single period that applies to every kind of CTOS record. Identify whether an entry comes from CCRIS, public records or another source, then obtain clarification from CTOS and that source. Correcting inaccurate information is different from removing an accurate record. Official CTOS contact channel ↗
VERIFY AND CORRECT
Incorrect information: who should you contact?
Note the field, report date and source. Gather relevant statements, receipts or settlement letters, then choose the channel based on the type of record.
CCRIS account or application
Contact the reporting financial institution through its complaints unit or official channel. Request verification and a correction where needed. BNM currently says the eCCRIS account-dispute forwarding function is temporarily unavailable; contact the institution directly.
BNM dispute guidance ↗CCRIS personal details
For an incorrect name or identification detail, consult the personal-data verification guidance in BNM’s eCCRIS FAQ. Required evidence depends on the disputed detail.
BNM verification guidance ↗An entry in a CTOS report
Contact CTOS through its Contact Us page to identify the disputed entry, the evidence required and the source that needs to verify it. If the entry originates from CCRIS, also seek clarification from the reporting financial institution. Contact CTOS ↗
Keep the reference number and follow-up record. Correcting information is different from removing accurate records or guaranteeing a successful application. For unresolved disputes with CTOS or another private credit reporting agency, consult the Registrar of Credit Reporting Agencies’ enquiry and complaint channels. Official Registrar portal ↗
A sample request for a record check
I would like to check [field or account reference] in my report dated [date]. The entry shows [details], while my documents show [difference]. Please advise what evidence is needed, the outcome of the check and a reference number for follow-up.
Adapt this request and send it through the institution’s or CTOS’s secure channel. Keep full reports, identification numbers and verification codes out of public messages. This educational page does not collect your report.
BEFORE APPLYING
Use your report as a starting point
Check your records, existing commitments and affordability after essential expenses. Compare net proceeds, scheduled payments, tenure, charges and total payable in the actual offer.
After reviewing your report, use the guide to application requirements and preparation to organise the other factors you need to consider.
A credit report forms part of your financial picture. For identity verification and supporting documents, see the MyKad and application documents guide.
Loan searches can lead to products with different structures. Jomdana-i is Shariah-compliant personal financing based on Tawarruq / Commodity Murabahah; its contractual structure differs from a conventional loan. Applications are subject to assessment and approval is not guaranteed.
JOMDANA-i
Review the details. Understand your commitment.
Explore the financing information, payments and official terms before making a decision.
Subject to assessment, documents and current terms. Approval is not guaranteed.
FAQ
Common questions about CTOS and CCRIS
Are CCRIS and CTOS blacklists?
CCRIS is a credit information system, not a blacklist. CTOS is a credit reporting agency. Providers make decisions using their own assessments.
Does CCRIS give you a credit score?
No. CCRIS provides credit and repayment records, not a score. CTOS Score is a separate assessment, ranging from 300 to 850, included in certain CTOS reports.
Does a CTOS report include CCRIS?
Some CTOS reports include CCRIS records with the required consent, but contents depend on the report. Check current details with CTOS.
Can I check CTOS for free?
CTOS offers a free Basic Report on first-time sign-up, subject to current terms. This basic report excludes CCRIS and CTOS Score. The full report is a paid product.
Will checking my own report lower my CTOS Score?
CTOS states that checking your own report does not affect your CTOS Score. Reviewing your report is different from applying for credit with a provider.
When will CCRIS “clear” after I pay?
Payment does not erase history immediately. BNM states that updates appear on the 10th of the following month, subject to public holidays; the 12-month repayment history remains visible. Contact the reporting institution if an entry is inaccurate.
Does checking a report guarantee approval?
No. Providers may consider affordability, verification and other criteria. No score guarantees approval.
Can an accurate record be removed immediately?
Do not assume so. Updates and history depend on the data source and applicable rules. Contact the relevant party if information is inaccurate.
Is eCCRIS free?
BNM states that individuals can access their own CCRIS report online through eCCRIS for free. Check current registration requirements with BNM.
SOURCES & EDITORIAL NOTE
Sources for further reading
- Ministry of Finance — Registered credit reporting agencies ↗
- CTOS — Report contents, prices and self-checks ↗
- CTOS — Contact Us ↗
- Bank Negara Malaysia — CCRIS ↗
- Bank Negara Malaysia — Explanatory Notes for Credit Report (PDF) ↗
- Bank Negara Malaysia — CCRIS FAQ ↗
- CTOS — Credit report options ↗
- Jomdana — FAQ ↗
Content updated and official sources checked on 5 November 2026. This article was prepared by the Jomdana Content Team for general education, not financial, legal or Shariah advice. Product information, processes and charges may change; consult current documents and official channels.
Editorial method: definitions and processes were checked against BNM guidance, MOF registration information and CTOS materials; the numerical example was created to explain the concept. See our editorial policy for how we correct content.
Our editorial policy →