🧾Loan Rejected! CTOS check failed? How to Get CTOS Report Online?

If you’re planning to buy a house or apply for a loan in Malaysia, one thing you absolutely must check is your CTOS credit report. Why? Because banks and financial institutions use this report to decide if you’re eligible for a loan even if you have a stable income.

Let’s dive into what CTOS is and how you can easily check your credit report online.

🔍 What is CTOS?

CTOS (Credit Tip-Off Service) is a credit reporting agency in Malaysia. It provides banks and lenders with your credit history, including:

✅️Outstanding loans

✅️Missed payments

✅️Legal cases or bankruptcy status

✅️CCRIS data (from Bank Negara Malaysia)

✨️It’s not a blacklist, but it helps banks evaluate how risky it is to lend you money.

📝 Why Is Checking Your CTOS Important?

✅ See what banks see before applying for loans
✅ Spot errors or outdated information
✅ Improve your credit score before submitting loan applications
✅ Avoid surprises that can cause loan rejection

✍️ How to Check Your CTOS Report (Step-by-Step Guide)

Here’s how to check your CTOS report online for FREE and buy the full report if needed:

🔹 Step 1: Go to the CTOS Website

-Visit https://ctoscredit.com.my

🔹 Step 2: Sign Up for a Free Account

-Click “Sign Up” and Enter your email, phone number, and IC number

-Verify via OTP (One-Time Password) sent to your phone

-Create your login password

🔹 Step 3: Log In to Your CTOS Account

-Once verified, log in to your account

-You’ll land on your dashboard

🔹 Step 4: View Your Free MyCTOS Score Report

-Click on “MyCTOS Score Report”

-This gives you basic details like your personal info, CCRIS summary, and any directorships

🔹 Step 5: Buy the Full CTOS Report (Optional but Recommended)

-For a more complete picture (especially if you’re applying for a home loan), get the full report:

-Click “Purchase Full Report”

-Pay RM27 and You’ll get:

✔️Full CCRIS breakdown

✔️Legal cases

✔️Trade references

✔️CTOS Score (300-850 range)

🔹 Step 6: Download and Save Your Report

-The report will be available as a PDF

-Save or print for reference or to show your property agent or banker

💡 Pro Tips:

🏡Check your CTOS before house hunting to avoid heartbreak over rejected loans

🟩A score above 700 is considered very good

🚩Resolve any red flags early (e.g. overdue credit cards, legal actions)

👍Need Help Understanding Your CTOS Report?

👩‍💼As a property consultant, I help my clients with free loan checking & financial consultation including understanding your CTOS & CCRIS report before applying for a housing loan.

📲 Contact me today for a free check-up before you buy your dream home!