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.

 Facilitate personal financial planning
If you’re having trouble with debt or managing your finances in general, knowing your score can really help. With the CTOS Score, you’ll know what your credit health is like, and can then make decisions accordingly to manage your debt and plan your finances better. Once you go through the detailed information in your score report, you’ll have a better idea on where to start and what’s bringing your 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.

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.