Malaysia’s leading Credit Reporting Agency

Empowering Malaysians to achieve better financial credit health

Regulated by the Registrar of Credit Reporting Agencies

What is CTOS Score?

CTOS Score is a 3-digit number that represents your creditworthiness. It is an evaluation of an individual credit history and capability to repay financial obligations. The higher the score, the higher your chances of securing a loan.

ctos score

What is CTOS Score?

CTOS Score is a 3-digit number that represents your creditworthiness. It is an evaluation of an individual credit history and capability to repay financial obligations. The higher the score, the higher your chances of securing a loan.

ctos score

Monitor and stay informed of your creditworthiness

know your ctos score

Know your CTOS Score

ctos score understand your credit

Understand your credit

ctos score monitor your credit health

Monitor your credit health

ctos score get loans more easily

Get loans more easily

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?

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

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

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

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

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

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

Start your journey, sign up in minutes

CTOS SecureID

RM99.00* /year

Comprehensive identity protection plus 4 MyCTOS Score Reports per year.

*exclusive of Service Tax

  • New credit application alerts
  • Missed payments alerts
  • Change in credit limits 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
  • 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

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

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.