Malaysia’s Leading Credit Reporting Agency

Empowering Malaysians to Achieve Better Financial Credit Health

Regulated by Registrar of Credit Reporting Agency

Personal – Be Credit Smart

Check and update your credit score and report monthly.

CTOS Score - where you stand

What is CTOS Score?

CTOS Score is an easy to understand 3-digit number on how good your credit health is and how likely you’ll be approved for your next loan, credit card or any other borrowings.

The higher the score, the lower the credit risk. A good credit score could land you a better deal.

Monitor and stay informed of your creditworthiness.

know your score ctos scoreunderstand your credit
monitor your credit healthget loans more easily

What’s your CTOS Score? Find out now – it’s fast and easy.

What’s your CTOS Score? Find out now – it’s fast and easy.

How does your CTOS Score help you?

Increase your chances of getting a loan
Increase your chances of getting a loan
Speedier loan approval
Speedier loan approval
facilitate personal financial planning
Facilitate personal financial planning
Monitor the status of your credit health
Monitor the status of your credit health
More credit is available
More credit is available
Get fairer credit decisions
Get fairer credit decisions

Credit Basics with CTOS

What’s in CTOS Report?

Historical Enquires

Historical Enquires
See how many times you’ve been searched

Trade References

Trade References
Be alerted when a trade reference is placed upon you

Litigation Data

Litigation Data
View details of legal cases relevant to you

Directorships

Directorships
Observe all your directorships and shareholdings

Banking Payment History

Banking Payment History (CCRIS)
Monitor your payments across all credit facilities

Quick Tips

Quick Tips
Learn what affects your CTOS Score and how to improve

Get the free CTOS App

Get the free CTOS App

Take your CTOS Score with you whenever you are before making big financial decisions. Knowledge Creates Confidence.

Google Play Get the free CTOS App     App Store Get the free CTOS App

Get the free CTOS App

Take your CTOS Score with you whenever you are before making big financial decisions. Knowledge Creates Confidence.

Google Play Get the free CTOS App     App Store Get the free CTOS App

Get the free CTOS App

Have Questions? We are ready to serve you.