When applying for a home loan, car loan, or any type of financing, one of the first things banks look at is your credit report. In Malaysia, apart from CTOS, one of the key tools banks use is the CCRIS report. But what exactly is CCRIS, and how can you check your own report? Let’s break it down.
🔍 What is CCRIS?
CCRIS stands for Central Credit Reference Information System. It is a system developed by Bank Negara Malaysia (BNM) to collect credit-related information about borrowers from financial institutions in the country.
This information is compiled into a credit report that gives a snapshot of your current and past credit behavior. It helps banks assess whether you are a responsible borrower before they decide to approve or reject your loan.
🧾 What Does a CCRIS Report Show?
Your CCRIS report includes:
✅️All active credit facilities (e.g., housing loan, personal loan, credit cards)
✅️Credit limits and outstanding amounts
✅️Monthly repayment behavior (for the past 12 months)
✅️Special attention accounts (e.g., accounts under legal action or rescheduling)
✅️Any loan applications made in the past 12 months
🏦 Why is CCRIS Important?
Banks and lenders use CCRIS to:
✅️Evaluate your ability to repay a loan
✅️Check your credit exposure across all institutions
✅️See if you have any late payments or missed installments
✅️Even one or two missed payments can negatively affect your loan application. That’s why it’s important to review your CCRIS report regularly.
📥 How to Obtain Your CCRIS Report
You can get your free CCRIS report from Bank Negara Malaysia through the following methods:
✅️1. Online via eCCRIS
BNM has made it easy to access your CCRIS report online through eCCRIS:
Step 1: Browse eccriss.bnm.gov.myand click ‘Register Now’
Step 2: Fill in Personal Details
a.Full name, MyKad, birth date, phone number dan e-mail.
b. Next, confirm the given details and Terms & Conditions
Step 3: Select bank and transfer RM1
Complete the registry and digital confirmation through one time transaction, RM1 to the Bank Negara Malaysia account. RM 1 wilk e refunded automatically in the period of 2 working days after the registration.
Step 4: eCCRIS account is successfully registered! First time log in.
When you successfully register eCCRIS account, click ‘Continue to First Time Log In Page’ that is displayed on the screen or browse eccris.bnm.gov.my and click ‘First Time Log In’
Step 5: Fill in your MyKad and 6 digit OTP
6 digit OTP is only eligible for 7 days. Please log in before the expiry date of the OTP.
Step 6: Set your user ID and password
Step 7: Set image, phrase, security question and answer
Step 8: Log in to eCCRIS using user ID to get your CCRIS report
⚜️ It’s free and available 24/7 after registration.
✅️2. Visit a Bank Negara Malaysia Office
You can also walk into any BNM branch or AKPK branch with your MyKad to request your report.
💡 Tips to Maintain a Healthy CCRIS Record
✅️Pay all your loan installments on time
✅️Avoid having too many credit cards or loans
✅️Monitor your credit health every 6 months
✅️Avoid applying for multiple loans at once
📝 Final Thoughts
Understanding your CCRIS report is key to getting your loans approved. It’s a reflection of how financially reliable you are—and the good news is, it’s free to check. Whether you’re planning to buy a house or apply for a credit card, stay ahead by keeping your credit in check.
Need help checking your loan eligibility based on your CCRIS?
Feel free to contact me, I’m happy to guide you through it.
