How to Check Your CCRIS Report for Free (eCCRIS) and Where CTOS Fits
Last verified: 28 October 2026 against Bank Negara Malaysia's CCRIS page. Short answer: You can view your own CCRIS report online for free through BNM's eCCRIS portal [BNM]. Malaysians with MyKad and internet banking can register online; others register at a CCRIS kiosk in an AKPK office or apply through BNMTELELINK [BNM]. CTOS is a separate, private credit reporting agency.
Talreon is an independent publisher and is not affiliated with Bank Negara Malaysia (BNM), AKPK or CTOS. This page explains the process in our own words; the agency's own website and notices are the final word.
What CCRIS is
CCRIS (Central Credit Reference Information System) is owned and run by Bank Negara Malaysia. It collects credit information from participating financial institutions, and the report shows a borrower's repayment history for the past 12 months [BNM]. BNM notes it is only one of several sources lenders use when assessing a financing application [BNM].
Three ways to get your CCRIS report
| Channel | Who it suits | Source |
|---|---|---|
| eCCRIS portal (online) | Registered users; Malaysians with MyKad and internet banking can register online | [BNM] |
| CCRIS kiosk at AKPK offices | Anyone who prefers walk-in, or Malaysians without internet banking who need to register | [BNM] |
| Approved credit reporting agencies | With your consent; these agencies (such as Credit Bureau Malaysia) build their own reports from CCRIS data | [BNM] |
Step by step: register for eCCRIS online
- Open BNM's CCRIS page and choose to register as a new eCCRIS user [BNM].
- Verify your identity with your MyKad details and your internet banking account, as the online flow asks.
- Log in to eCCRIS and open your credit report. Viewing your own report is free.
- Companies, businesses and other users register through the CCRIS/eCCRIS application form submitted via BNMTELELINK [BNM].
Who can see your CCRIS report
- You, for your own report and for your sole proprietorship or partnership.
- Financial institutions, when you apply for credit or when they review an existing facility.
- Approved credit reporting agencies, with your consent.
Source: [BNM].
Where CTOS fits
CTOS is a private credit reporting agency, not part of BNM. Its site invites you to register for free [CTOS], but what is free and what is paid can change, so check CTOS's current terms before you sign up. A CTOS report can include information beyond CCRIS, such as data from public records, so the two reports may not look the same.
If you are comparing loan offers, our flat rate vs effective rate guide explains how to read the quoted rate.
Frequently asked questions
Is the CCRIS report free?
Yes. BNM says borrowers can access their own credit report online through eCCRIS for free.
How many months does CCRIS show?
BNM says the report shows your repayment history over the past 12 months.
Can I register for eCCRIS without internet banking?
The online registration is for Malaysians with MyKad and internet banking. Others can register at a CCRIS kiosk in an AKPK office.
Is CTOS the same as CCRIS?
No. CCRIS is run by Bank Negara Malaysia; CTOS is a private credit reporting agency.
Where to check it yourself
Talreon is not affiliated with Bank Negara Malaysia (BNM), AKPK or CTOS. Figures and steps on this page were checked against the linked pages on 28 October 2026. Read our editorial and review process and figures update log. Spotted something out of date? Email support@talreon.com with the page address.
Change log: 28 October 2026 – first published. Educational information only; not tax, financial or legal advice.