Malaysia’s leading Credit Reporting Agency

Empowering Malaysians to achieve better financial credit health

Regulated by the Registrar of Credit Reporting Agencies

Personal – Be credit smart

Your credit report affects many parts of your life. Banks check your credit report before approving you for credit cards and loans. Some employers check credit report as part of the application process. Find out what’s in your CTOS credit report.

MyCTOS Score Report contains your full credit history, payment behaviour, your CTOS Score, directorship and business interest, litigation and bankruptcy record (if any) and more…

know your ctos score

Credit health and score at a glance

All your credit information in one convenient report – know where you stand, credit-wise.
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Get full CCRIS details and summary

Number of credit applications and amounts applied, loan information, CCRIS derivatives and more.
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Learn how to improve your credit health

Easily identify areas to work on, so you know where to start and what to fix.
ctos score

Start your journey, sign up in minutes

  • New credit application alerts
  • Missed payments alerts
  • Change in credit limit alerts
  • Alerts on closure for any of your credit facilities
  • Alerts for change of address
  • Up to date scam alerts and prevention tips
  • Support for issues related to identity theft
  • 4 MyCTOS Score Reports per year

MyCTOS Score Report

RM25.00* /report

Full credit report with current CTOS Score and CCRIS details.

*exclusive of Service Tax

  • Everything in MyCTOS Basic Report
  • CTOS Score
  • CCRIS Records (BNM)
  • Dishonoured Cheque (BNM)
  • Access to Rewards

MyCTOS Basic Report

FREE

An overview of your credit health with basic credit information.

  • Personal Information (NRD)
  • Directorship & Business Interest (SSM)
  • Litigation & Bankruptcy
  • Trade Referee Listings (eTR)
  • 2 Free MyCTOS Basic Reports a year

How can we help?

We are committed to helping you protect and understand your credit

available in android and ios

Get the free CTOS app

Take your CTOS Score with you wherever 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 wherever 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.