Malaysia’s Leading Credit Reporting Agency

Speedier loan approved
Scores can be delivered almost instantaneously, helping lenders speed up loan approvals. Many credit decisions can be made within minutes. Even a mortgage application can be approved in hours instead of weeks for borrowers who score above a lender’s “score cutoff”. Scoring also allows retail stores, Internet sites and other lenders to make “instant credit” decisions.

 More credit is available
The use of credit score gives lenders the confidence to offer you more credit, especially if your credit health is good and your score is in the higher range, as they now have more precise information on which to base their credit decisions on. When banks and lenders notice that you have a good score, they’ll be more inclined to offer you more credit and in some cases, perks and benefits like lower interest rates on repayments.

Get fairer credit decisions
When you apply for new credit, you would want assurance that your application will be evaluated fairly. The CTOS Score will enable lenders to focus only on the facts related to credit risk, rather than their personal feelings. Factors like your gender, race, religion, nationality and marital status are not considered by credit scoring.