"Since we already have CCRIS, why do we need CTOS?"
"Creditors should look at CCRIS only, not CTOS lah"
"How come CTOS can impact my loan application"
These are some of the common questions posted by netizens all this while (since the birth of CTOS, maybe). Okok. Let us clear your mind with this article.
They looks the same, but different leh 👀💢
CCRIS is owned and managed by BNM. On the other hand, CTOS / Credit Bureau Malaysia / Experian are credit reporting agencies registered by the Ministry of Finance under the Credit Reporting Agencies Act 2010.
These 3 credit reporting agencies have approval to access the CCRIS system to provide private credit reports to their users, which may include more information than CCRIS. 💫💫💫
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| Summary of differences between CCRIS and CTOS |
How do I check my CCRIS score?
Easy peasy, just get it online jer. We called it as eCCRIS report, then you can view your score, view it like your banks. So, how to get it? Read this article!
8 Steps to Create your BNM eCCRIS Account 100% Online!
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If everyone pays loan, bill, debt, instalment on time, no one need CCRIS and CTOS.
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