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Verifying Information in Your Credit Report

If you have a reason to believe that the information in your credit report from the Credit Bureau is inaccurate, you are advised to liaise directly first with the respective participating financial institution for clarification and update. The participating financial institution is required to rectify any inaccurate or incomplete information by sending the amendment(s) to the Credit Bureau to reflect the latest credit position of the borrower.


In the event that you are not satisfied with the explanation given by the participating financial institution, or the participating financial institution delays in updating the information despite the borrower having submitted all the necessary documents, you may request for a data review from Bank Negara Malaysia.


How to Request for a Data Review

The Request for Data Review (RDR) Form can be downloaded here [PDF, 23K]. Please identify disputed items in the credit report and explain why the information is disputed.


  •     For personal collection, please complete and submit the RDR form at LINK; and
  •     If you are from outside of Klang Valley, you can submit the completed RDR form to the following:


             Jabatan LINK dan Pejabat Wilayah

            Bank Negara Malaysia

            P.O Box 10922¬†

            50929 Kuala Lumpur

            Fax No: +603 2174 1515


The Credit Bureau will investigate and notify the participating financial institution that had provided the information in dispute together with all relevant data. The investigation and remedial process will normally take about two to four weeks to be completed. You will be notified of the outcome of the investigation. In the event that the disputed information is confirmed accurate, you are advised to refer the matter to the respective participating financial institution.