Malaysia’s Leading Credit Reporting Agency

Increase your chances of getting loans
A good CTOS Score can work in your favour by increasing your chances of getting approved for loans and new credit. This is because a good credit score increases your creditworthiness in the eyes of banks and lenders. Knowing your score will tell you where you stand when it comes to credit health; you can then take measures to improve your score, especially if it falls in the lower range.

 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.

Monitor the status of your credit health
If you’re planning to apply for a loan or any other types of new credit, you should know what credit information banks and lenders can see about you. Your CTOS Score is a good indicator of whether you’ll be eligible to receive new credit, and if you are, how fast you’ll be likely to receive it and at what interest rates.our score down the most.

 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.