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✅ Spot errors or outdated information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!
