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.

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.

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 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.

Increase your chances of getting a loan

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.

Speedier loan approval

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.

Facilitate personal financial planning

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.

Monitor the status of your credit health

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

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.

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

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.

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.

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?

Credit Basics with CTOS

What’s in CTOS Report?

Historical Enquires
See how many times you’ve been searched

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

Litigation Data
View details of legal cases relevant to you

Directorships
Observe all your directorships and shareholdings

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

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

Have Questions? We are ready to serve you.

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.

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.

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?

Credit Basics with CTOS

What’s in CTOS Report?

Historical Enquires See how many times you’ve been searched

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

Litigation Data View details of legal cases relevant to you

Directorships Observe all your directorships and shareholdings

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

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

Have Questions? We are ready to serve you.

Historical Enquires
See how many times you’ve been searched

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

Litigation Data
View details of legal cases relevant to you

Directorships
Observe all your directorships and shareholdings

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

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