How to Check CCRIS & CTOS Before a Home Loan

Before a bank approves a home loan, it checks your credit record. The two names you will hear most are CCRIS and CTOS. Many first-time buyers only open these reports after an application fails. It is better to look first, a few months early, so there is time to fix any problem.

This guide explains what CCRIS and CTOS are, how to get your reports, how to read them, how to correct errors, and a checking timeline before you apply.

General information only, not financial advice. Each bank makes its own lending decision.

What CCRIS and CTOS are

CCRIS (Central Credit Reference Information System) is owned and operated by Bank Negara Malaysia. Its report lists your financing and repayment history over the past 12 months, as reported by participating financial institutions: banks, development financial institutions, insurers, leasing companies and some government agencies.

Two important points about CCRIS:

• CCRIS is not a blacklist. According to Bank Negara, CCRIS only stores financing details and repayment records, and is not a list of names of borrowers with poor repayment history.
• CCRIS gives no score. Bank Negara gives no rating or opinion on anyone’s creditworthiness, and is not involved in banks’ lending decisions.

CTOS is a private credit reporting agency. Its report combines several sources, including CCRIS records, litigation and bankruptcy information, company directorships (SSM) and trade referee listings. The full CTOS report also shows the CTOS Score, a number between 300 and 850.

How to get your CCRIS report

Bank Negara provides the CCRIS report free of charge. There are two main ways:

1. The eCCRIS portal (eccris.bnm.gov.my). Since 18 February 2022, Malaysian citizens can register fully online if they have a MyKad and internet banking.
2. CCRIS kiosks at AKPK offices nationwide, for those who cannot register online.

1. Register on eCCRIS Enter your full name as on your MyKad, MyKad number, email and phone number.
2. Verify your identity Make an RM1 internet-banking transfer to the designated Bank Negara account. It is refunded automatically within two working days.
3. Enter the OTP A six-digit code is sent to your phone and email.
4. Set up your login Choose a user ID, password, secret image and security questions.
5. Download the report Log in and request your CCRIS report.

If you get stuck, contact BNMTELELINK on 1-300-88-5465 or through live chat on Bank Negara’s website. Credit reporting agencies such as CTOS, Experian and Credit Bureau Malaysia also show CCRIS records, but they may charge a fee.

How to get your CTOS report

Register an account on the CTOS website or app, or visit a CTOS service centre. Once your identity is verified, the report is sent by email. CTOS offers:

• CTOS Basic Report, free twice a year: personal information (NRD), directorships and business interests (SSM), litigation and bankruptcy, and trade referee listings.
• Full CTOS Credit Report, RM27.90 per report (including SST, as shown by CTOS on 25 September 2026): CTOS Score, CCRIS records and dishonoured cheque records.

For most first-time buyers, the free CCRIS report plus the free CTOS Basic Report is enough for an early check.

How to read a CCRIS report

A CCRIS report usually has three parts:

• Outstanding credit facilities. Each active loan (home, car hire purchase, credit card, personal loan) with its limit, balance, instalment, arrears and legal status.
• Special attention accounts. Impaired loans that the financial institution has placed under special monitoring.
• Credit applications. Applications in the past 12 months, whether pending or approved.

The most important part is the 12-month row of instalments in arrears. Each month is shown as one number: 0 means paid on time, 1 means one month in arrears, 2 means two months, and so on.

After you clear arrears or close a loan, the financial institution updates the record by the next reporting date, which is no later than the 10th of the following month. So a report you download today may not yet show last week’s payment.

How to correct errors and dispute entries

Errors do happen: a loan you settled still shows as active, an account you never opened, or someone else’s name.

For CCRIS:

1. Contact the financial institution that reported the information first. Bank Negara states that financial institutions must correct wrong information within a reasonable time.
2. Prepare proof: a loan settlement letter, payment receipts or statements.
3. If the problem is not resolved, contact Bank Negara through BNMTELELINK.

For CTOS:

1. Identify the wrong or outdated entry, for example a court case that has been settled.
2. Contact CTOS on 03-2722 8833, or fill in the online dispute form and email it to sarus@ctos.com.my, with supporting documents.
3. If the entry comes from a CCRIS record, the correction still has to be made by the financial institution that reported it.

Keep copies of all correspondence. After the correction is made, download a fresh report to confirm it.

What banks look at

Each bank sets its own criteria, but these are commonly examined:

• The 12-month repayment record. Repeated arrears worry a bank more than one small delay.
• Total commitments. Balances and instalments in CCRIS are used to work out your debt service ratio (DSR). See why home loan applications are rejected.
• Special attention accounts and legal status. Both signal a serious problem.
• New credit applications. Many applications in a short time can raise questions. CTOS states that new credit applications affect the CTOS Score.
• Litigation and bankruptcy in the CTOS report.

As a reference point, the SJKP guarantee scheme requires no CCRIS arrears of more than two months in the latest 12 months and no negative credit record in the past 24 months. Read our SJKP guide if your income is irregular.

Checking timeline before you apply

Once your credit record is in order, estimate your loan eligibility with the eligibility calculator (estimate only), and read how to check eligibility before buying your first home for the other steps, such as DSR and documents.

Next steps

Your credit record is only one part of preparing. You also need cash for the costs of buying a new home, including stamp duty, and to choose a financing route on the Financing page. If you are interested in a RumahHQ Development Sdn Bhd project, register your interest for free with no obligation, and ask for help checking your eligibility.