Every time you apply for a loan or a credit card in Malaysia, the bank checks your CCRIS report before making a decision. You can check the same report yourself anytime, for free. Most people just don't know that.
The fastest way to get your own copy is through eCCRIS, Bank Negara Malaysia's (BNM) free online portal. If you don't have internet banking or you're checking on someone else's behalf, there are a few other options, all of which are covered below.
What Is CCRIS?
CCRIS stands for Central Credit Reference Information System, run by BNM. It collects data from banks and other lenders and compiles a report that shows your outstanding loans, credit cards, and repayment history for the past 12 months.
CCRIS isn't a blacklist, and it doesn't score or rate you. The report is purely factual. BNM doesn't tell banks whether you're a good borrower. Each bank makes its own lending decision based on the report and any other information it collects. A rejected application doesn't get recorded in CCRIS either, so it won't count against you the next time you apply somewhere else.
Private credit reporting agencies (CTOS, Credit Bureau Malaysia, and Experian) take information from CCRIS and other sources to build their own reports, which may include a credit score. These are separate companies from BNM, registered under the Credit Reporting Agencies Act 2010, and they can charge a fee. If you're after a credit score rather than the CCRIS data by itself, one of these three is what you want.
Ways To Get Your CCRIS Report
There are four ways to get your report, depending on your situation.
| Method | Best For | Cost | What You Need |
| eCCRIS online | Malaysian citizens with MyKad and internet banking | Free | MyKad, mobile number, internet banking access, authenticator app |
| CCRIS kiosk (AKPK offices) | Malaysians without internet banking, or first-time registration | Free | MyKad, mobile number |
| eLINK application | Non-Malaysians, businesses, or requests on someone else's behalf | Free | Application form and supporting documents |
| Credit reporting agencies (CTOS, Credit Bureau Malaysia, Experian) | Anyone who also wants a credit score, not just raw CCRIS data | May charge a fee | Sign up directly with the agency |
Getting Your Report Through eCCRIS
eCCRIS is BNM's online portal. It's the quickest option if you're a Malaysian citizen with MyKad and internet banking. Since February 2022, you can register entirely online, without visiting a BNM office.
Step-by-Step Registration
- Go to eccris.bnm.gov.my and click ‘Register Now’.
- Enter your full name, MyKad number, date of birth, mobile number, and email address, then confirm the details and accept the terms and conditions.
- Verify your identity with a one-off RM1 transfer to a designated BNM account through your internet banking. This is refunded automatically within 2 working days.
- Enter your MyKad number and the 6-digit OTP sent to your phone, then set a user ID and password.
- Set up two-factor authentication. Download an authenticator app (Google Authenticator or Microsoft Authenticator works) and scan the QR code shown on the screen.
- Log in, go to Enquiry, then Self Enquiry (Individual), accept the disclaimer, and click Report Enquiry to view your report.
- Download your report as a PDF. It's password-protected. The password is the date of your enquiry followed by the first three letters of your user ID, for example 21Aug2026Nur.
eCCRIS is available from 6 am to midnight, Monday to Friday, excluding public holidays. It doesn't run on weekends.
After you obtain the PDF, the report itself can take some getting used to. It's full of account statuses and monthly figures rather than plain sentences. Our companion guide, How to Read Your CCRIS Report, explains what it all means.
If You Don't Have Internet Banking
Register in person instead, at a CCRIS kiosk in any AKPK (Agensi Kaunseling dan Pengurusan Kredit) office nationwide. Bring your MyKad. The kiosk verifies your identity and registers your mobile number. You can either view your report there and then, or use the registration to activate your eCCRIS account and check your report online afterwards.
There are also kiosks you can use if you're already registered but locked out. Maybe you've forgotten your security answers, or lost the phone your authenticator app was set up on.
Non-Malaysians, Businesses, And Requests On Someone Else's Behalf
Non-Malaysians and businesses register via eLINK rather than eCCRIS. Download the CCRIS/eCCRIS Application Form from BNM's website and submit it along with the required supporting documents.
- For individuals, that means a copy of your MyKad or passport, plus a telco bill registered in your name.
- For companies, you'll need an authorisation letter on company letterhead, signed by the company secretary and at least two directors, plus certified copies of the Company Registration Certificate (Form 9), Form 13 if the company has changed its name, and the latest List of Directorship (Form 49). All supporting documents need to be dated within 14 working days of submission.
Requesting a report on someone else's behalf, for a sick relative or a deceased family member's estate, needs its own set of documents. That could mean a medical report and proof of relationship, or a Letter of Administration for a deceased person's estate. BNM only accepts these requests from the specific people entitled to make them, so check whether you qualify before applying rather than assuming you do.
eLINK, the web form above, also works for a quick enquiry, not just a full application. If you'd rather not use the form, BNMLINK can also be reached Monday to Friday, 9am to 5pm:
- Phone: 1-300-88-5465 (or +603-2174-1717 from overseas)
- Live chat: bnm.gov.my/livechat
- In person: by appointment only, booked through eLINK or by phone
Checking Your CCRIS Report And Fixing Mistakes
There's no limit on how often you can check your report, and BNM doesn't charge for it. If you've recently paid off a loan or closed a credit card, checking back a few weeks later lets you confirm it updated correctly, so you can catch and fix any mistake early rather than after it's already caused a problem. Nobody else can request it on your behalf, though. That includes your bank, a guarantor, or a family member, except in the documented cases above.
Updates also take time to show. Settle a loan today, and the record won't reflect as fully paid until BNM's next reporting cycle, by the 10th of the following month. If something on your report looks wrong, maybe a spelling error, a loan that isn't yours, or an account that should've closed, you can flag it through eCCRIS or contact the bank that reported it directly. Banks have up to 14 working days to respond.
When Should You Check CCRIS?
Checking is free, and there's no limit, so it helps to time it around a few key moments.
- Before applying for a big loan, whether that's housing, car, or business financing, so you know what the bank will see.
- After settling a loan, to confirm it's been updated correctly.
- If you're a guarantor, to understand what you're on the hook for.
- If a credit card or loan application gets rejected and you want to review your existing repayment record. Just remember CCRIS itself won't tell you why a specific application was declined. That decision sits with the bank, not BNM.
Frequently Asked Questions
Can I get my CCRIS report through my bank, or by calling BNM?
No. Banks don't hand out CCRIS reports directly, and BNM won't share the details over the phone either, since there's no way to confirm you're really the person on the report. The official channels are eCCRIS, the AKPK kiosks, or an approved credit reporting agency.
I'm guaranteeing someone's loan. Can I see their CCRIS report?
No, a CCRIS report can only be given to the person it belongs to. If you want to understand what you're guaranteeing, ask the borrower to share their own report with you, or talk through the loan terms directly with them.
If one bank rejects my loan application, will the others reject me too?
Not necessarily. CCRIS doesn't record the outcome of a rejected application, but it does show pending and approved applications from the last 12 months. That means the next bank can still see that you recently applied elsewhere, even if the application did not result in anything. A cluster of recent applications is a risk signal on its own, sometimes referred to as credit-hungry. Where you can, space applications out rather than applying to several banks for a card or loan in the same month, particularly before a larger loan such as a home loan.
I settled an old late payment. Why does it still show on my report?
CCRIS shows a rolling 12-month history. Once you settle, the record updates to reflect that in the month you paid, but the earlier months where the payment was late stay visible until they roll off the 12-month window.
For most people, the free CCRIS report is all you need. It shows what any bank in Malaysia will see when you apply for a loan. A paid report from CTOS, Credit Bureau Malaysia, or Experian only makes sense if you want the added credit score on top, since the underlying loan and repayment data comes from the same source either way.
