Frequently Asked Questions

Credit Bureau

 Home /Frequently Asked Questions
Frequently Asked Questions

What is CCRIS?
CCRIS is a system that collects credit information on borrowers from participating financial institutions and supplies the information back to them. This is one of the sources of information used by participating financial institutions to help them establish a view of the credit histories of potential or current borrowers. It is not a blacklist system as perceived by some people.
What does CCRIS stand for?
CCRIS stands for Central Credit Reference Information System.
What does eCCRIS stand for?
eCCRIS stands for electronic Central Credit Reference Information System.
Why did Bank Negara Malaysia set up CCRIS?
One of the functions of Bank Negara Malaysia is to regulate and supervise financial institutions so that the financial system of the country is sound and stable. Bank Negara Malaysia promotes prudent credit policies and professionalism among financial institutions, including the adoption of best business practices in credit risk management. One way of doing this is by providing CCRIS to the participating financial institutions so that they can make faster and better informed lending decisions.
Why did Bank Negara Malaysia set up eCCRIS?
eCCRIS is an additional channel for the public to conveniently access and retrieve their credit reports and submit data verification requests directly to participating financial institutions (PFIs) and Bank Negara Malaysia anywhere and anytime.
What is the Credit Bureau of Bank Negara Malaysia?
The Credit Bureau is established by Bank Negara Malaysia under the Central Bank of Malaysia Act 2009 to administer CCRIS.
Is the Credit Bureau's activities regulated?
Yes, the Credit Bureau is required to operate within the limits set out under the Central Bank of Malaysia Act 2009.
Can I prevent the Credit Bureau from holding my information?
No. The Credit Bureau is legally empowered to collect such information.
Does the law allow a person to have access to his/her credit report?
Yes. The Central Bank of Malaysia Act 2009 allows Bank Negara Malaysia to disclose own credit report to the borrower for the purpose of verifying the accuracy of information reported.
Is a financial institution allowed to access a credit report on a borrower who is not its customer/potential customer?
No. If a financial institution unlawfully accesses a credit report, the financial institution can be subject to severe penalties under the Central Bank of Malaysia Act 2009.
The financial institution told me that I have a bad record in my credit report. Where can I find out the details of the record?

You can obtain your credit report through the following channels:


(1) eCCRIS, a secured online platform where users may access their CCRIS reports, anywhere at their convenience. For more details about eCCRIS, please visit


(2) If you are from the Klang Valley, you may obtain the credit report from the Customer Service Centre, Laman Informasi Nasihat dan Khidmat (LINK) of Bank Negara
     Malaysia (BNM), Head Office at the following address:

LINK and BNM Offices 
Ground Floor Block D
Bank Negara Malaysia 
Jalan Dato' Onn
50480 Kuala Lumpur

BNMLINK operates from Monday to Friday, 9.00 am to 5.00 pm (including lunch time) except for public holidays.

Please bring along your MyKad or passport (for Non-Malaysian) and other supporting documents that can verify your identity such as your driving licence. The credit report will be given to you during the visit.



(3) If you are from Pulau Pinang, Johor Bahru, Kota Kinabalu, Kuching or Kuala Terengganu, you may walk in to our Customer Service Centre at the respective BNM
     Offices/Branch for the report. For further details, please refer to section "Credit Report - Obtaining Your Credit Report".


(4) Alternatively, you may request your credit report via mail, fax or email. Please complete and send us the following:
      i- Credit Report Request Form (CRR); 
      ii- Loan Declaration Form; 
          (please download the above forms from website
      iii- A clear photocopy of your MyKad (both sides) / passport (for foreigners); and 
      iv- Any combination of two other documents (with your name and address stated clearly on each copy) from the following:

  •           Driving licence;
  •           Utility bills such as water bill, electricity bill, telephone bill, or ASTRO bill;
      •           Bank account statement;
      •           Credit card statement; or
      •           EPF statement.

You can either post, fax or email the completed application form and the supporting documents to: 

LINK and BNM Offices
Bank Negara Malaysia 
Jalan Dato' Onn 
P.O Box 10922 
50929 Kuala Lumpur 
Facsimile: +603 2174 1515


Please note that if you come personally to our LINK and BNM Offices to obtain the credit report, you will get the report instantly. However, it may take between two to four weeks to process your request for a credit report via mail/fax/email as the report will be sent to the nearest financial institutions to your home address for your collection.

How often can I get my credit report?
There is no restriction on the number of times you wish to retrieve the credit report.As an eCCRIS user, you may retrieve the credit report anywhere and anytime. For more details about eCCRIS, please visit
Can I get CCRIS information over the phone from Bank Negara Malaysia?
No. Bank Negara Malaysia is not allowed to disclose CCRIS information over the phone as the information contained in the report is confidential and verification cannot be done to ensure that the caller is owner of the information.
Can I get my credit report from my bank?
No. You can only obtain your credit report from Bank Negara Malaysia or via eCCRIS. For more details on eCCRIS, please visit
Can I authorize someone to get my credit report from Bank Negara Malaysia?
No. The credit report can only be furnished to the person who is the owner of the information.
I have a friend who needs to see his credit report. Can I get the credit report on his behalf?
No. A credit report can only be furnished to the person who is the owner of the information.
I am going to be a guarantor of a loan. Can I get a copy of the credit report on the person whose loan that I guaranteed/will guarantee?
No. The credit report can only be furnished to the person concerned.
I am a borrower. Can I get a copy of the credit report on my guarantor?
No. The credit report can only be furnished to the person concerned.
My friend's father recently passed away. Can my friend obtain his father's credit report?

The credit report shall only be given to the person who is legally authorized to administer the estate of the deceased as per Letter of Administration (LA). The request must strictly be submitted with a credit report request form supported with a copy of the following documents:

  • Original or copy of Letter of Administration (copies must be certified by the issuer) and
  • A copy of identity card (MyKad) of the Administrator.
I am the Director of the company and I would like to see the company's credit report, what is the procedure?

The request must be accompanied with a Credit Report Request Form supported with a copy of the following documents: .


  • A copy of identity card (MyKad) or passport (if you are a non-Malaysian) of the authorized person;
  • An authorisation letter from the company (on company letterhead) to authorise the person to collect the credit report. The letter should be signed by the company
       secretary and a minimum of two Directors of the company;
  • A dated certified true copy of the Company Registration Certificate (Form 9) by company secretary;
  • A dated certified true copy of the Company Registration Certificate of Change Name of Company (Form 13) by company secretary, if applicable; and
  • A dated certified true copy of the latest List of Directorship of Company (Form 49) by company secretary


* Please take note that the authorization letter and certified true copies must be dated within 14 working days before the submission date of the credit report request form.

How much do I have to pay for a copy of the credit report?
Currently, the credit report is free of charge from Bank Negara Malaysia or obtained via eCCRIS.
Where does the Credit Bureau get its information?
The Credit Bureau obtains information from participating financial institutions. This includes all licensed commercial banks, Islamic banks, investment banks, development financial institutions, certain insurance companies, payment instrument issuers and rehabilitation institutions, building societies, credit leasing companies and government agencies.
What kind of information do financial institutions report to the Credit Bureau?
The financial institutions report essential identification data of their borrowers (e.g. name, identification card number and date of birth) and provide the relevant data on the credit applications and outstanding loans given to such borrowers (e.g. type of credit facilities, conduct of account, instalment amount and credit limit).
What are the types of credit facilities reported by financial institutions to the Credit Bureau?
Financial institutions are required to report all types of credit facilities extended to their borrowers, including credit cards, overdrafts, trade facilities and housing loans.
Can I have the history of all my borrowings from CCRIS?
The credit report only shows outstanding or active accounts, pending credit application, and approved credit applications for the last 12 months.
I am currently holding a credit card with a financial institution. Is my information captured in CCRIS?
Yes. Credit card information is reported in CCRIS.
I have a current account with a financial institution. Will this information be captured in CCRIS?
Financial institutions are not required to and should not report any information on current accounts in CCRIS. However, if you have an overdraft facility operating in conjunction with the current account, information on the overdraft facility will be reported in CCRIS.
I have a current account without overdraft facility but I was informed by a financial institution that I have such a facility. Will this be reported to the CCRIS?
Any temporary shortfall in the current account (e.g. due to service charge imposed by the financial institution) will be treated as a temporary overdraft. The information will be reported to CCRIS until you have settled the shortfall. Once you have settled the outstanding amount, the record will no longer appear in you credit report.
I was informed by a financial institution that my loan account is in arrears. If I settle the amount overdue, will the record be removed from my credit report?
If you have settled the amount in arrears, your regularized account will be shown in the current month of your settlement. Nevertheless, the information on number of installments in arrears for the last 12 months will be displayed in the credit report.
I notice that one of my loans is reported under the Special Attention Account. What is the Special Attention Account?
Loans reported under the Special Attention Account refer to impaired loans that the participating financial institution has placed under special monitoring (in view of recovering the loan or in the midst of collection). If you wish to know further details of the account, please contact the financial institution for further clarification.
If my credit application is turned down by one financial institution, will all the others do the same?
This is not necessarily the case. Different financial institutions have different lending policies depending on their risk appetites. The information provided by the Credit Bureau is only a part of the entire lending decision process in each individual financial institution and could be viewed differently by them.
Does Bank Negara Malaysia provide any credit rating on a credit applicant?
No. Bank Negara Malaysia does not provide any credit rating or opinion on the creditworthiness of any credit applicant or existing borrower.
Does Bank Negara Malaysia dictate the credit decisions of the participating financial institutions through the Credit Bureau?
No. Bank Negara Malaysia is not involved in any of the participating financial institution's lending decisions. The credit reports only provide factual information as reported to the Credit Bureau. Bank Negara Malaysia does not provide any opinion on the creditworthiness of a person. Participating financial institutions make their own decisions, using the information they have available to them, including credit reports furnished by the Credit Bureau, information provided by the customer himself in credit application documents and other supporting documents.
My loan application was rejected owing to my poor credit record and this is shown in CCRIS. What can I do to improve my credit standing?
The adverse credit record could be due to an outstanding debt which you have with the participating financial institution which you either did not repay or did not repay on time. Please discuss the matter with the participating financial institution concerned and work out a repayment scheme with the financial institution. Once your account has been regularized, your credit record will reflect the improved position.
If my credit application is denied by a financial institutions, does it mean that I am blacklisted?

No. Bank Negara Malaysia does not blacklist anyone as it does not express any opinion about the information in the credit report. Information on rejected credit applications is not provided in credit reports in order to ensure that a participating financial institution will not be prejudiced by the decision of another participating financial institution.


In processing loan applications, the financial institution will perform a credit assessment on the borrower. This may involve background checks from various sources, including information supplied by credit reporting agencies such as Credit Bureau Malaysia Sdn Bhd (CBM), CTOS Data Systems Sdn Bhd (CTOS), RAM Credit Information Sdn Bhd (RAMCI), Dun & Bradstreet (Malaysia) Sdn Bhd (D&B), Basis Corporation Sdn Bhd (BASIS) and FIS Data Reference Sdn Bhd (FIS). The information provided by credit reference agencies will help financial institutions in their evaluation process. Financial institutions need to use all available data to help them make good decisions and be prudent in their loans and advances.

If I were to settle my loan in full now, when will the record be updated?
The record will be updated by the participating financial institution by the next reporting date, i.e. not later than 10th of the following month.
I have made full settlement for my loan account. Why is the record not updated by Bank Negara Malaysia?
Bank Negara Malaysia only collects credit information from financial institutions and does not update any records. The participating financial institution is responsible for updating the record. If you notice that the loan account has not been updated, please refer the matter to the said financial institution.
I am no longer an owner/partner of a business. However, the participating financial institution still reports me as the owner of the business. What shall I do?
Once you are no longer an owner / partner of your business, you have to update your ownership status with the Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia). If in the agreement of transferred ownership or agreement made with the other partners upon pulling out from the business states that you are no longer liable for the loan, you should approach the financial institutions where the business has borrowings to update the record. This is in order to release yourself from the liabilities. If you have stood guarantee for the loan and no agreement has been made to transfer the liabilities, you will remain liable for the loan.
I am a foreigner working in Malaysia and I am applying for a credit card with one of the banks. However, I was told that there is another person who shares the ID which is similar to my passport number. Hence, they are not able to proceed with my application.
As a foreign passport number is not unique, the ID number assigned to a Malaysian may coincide with your passport number. This does not necessarily mean that it involves fraud. In this situation, please inform the processing officer of the bank (from which you are applying for the credit card) to contact Bank Negara Malaysia to resolve the matter, or you may provide us with the details of the officer in order for us to further follow up with him.
I do not agree on the conduct of account reported, as my non-payment is due to disagreement of the interest charges on my loan. How can I remove it?
The loan item cannot be removed from your credit report as it is still an outstanding loan with the financial institution. However, pending the outcome of the dispute, we can provide you with the option of tagging your report as "Special Name". This would mean that when your loan application is being processed by the financial institution, they have to request for your credit report from Bank Negara Malaysia. When your credit report is provided to the financial institution concern, we will attach your remarks and chronology of events pertaining to the disputed case. Please be informed that even with the additional information provided, the decision to approve or reject your loan still lies with the financial institution that is processing your loan.
I was declared as bankrupt a few years ago and now I have fully settled the loan. Can Bank Negara Malaysia remove my name from bankruptcy status list?
Please liaise with the Malaysian Insolvency Department at 03-88851000 on your bankruptcy status and inform the financial institution of the latest status so that it may be reflected in the credit report.
I was a guarantor to somebody a few years ago. The person could not pay the loan and the loan has become defaulted. How can I clear my name from the blacklist
Bank Negara Malaysia does not have a blacklist system. A guarantee is a legal contract that binds you to pay the debt of the borrower, if the borrower fails to do so. The extent of the liability of a guarantor will be as specified in the guarantee document and you will be held liable for the liabilities in accordance with the terms of the guarantee document. You are advised to seek clarification or explanation from the relevant financial institution concerned to resolve the issue.
I am badly in debt and can no longer manage the payment of my existing loans. I wish to get my loans restructured. How can Bank Negara Malaysia assist me?
You may seek the assistance of Agensi Kaunseling dan Pengurusan Kredit (AKPK) at 03-26167766. AKPK is an agency set up by Bank Negara Malaysia to provide financial management, credit counseling, financial education and debt restructuring services for individuals.
Where can I get more information on CCRIS?
Please visit the Credit Bureau website at or contact BNMTELELINK at 1-300-88-5465.