CCRIS Report Malaysia: How to Check and Read It Before a Loan

Your CCRIS report is a free credit report from Bank Negara Malaysia (BNM) that shows your loans, credit cards, pending loan applications and how many instalments you were behind each month over the last 12 months. You can download it yourself any time through eCCRIS, and it's worth checking before you apply for a housing loan, car loan or personal loan, because the bank will look at the same report.

This guide explains how to get your report, how to read each column, what the numbers in the 12-month row mean, and how CCRIS is different from CTOS.

What CCRIS is (and what it isn't)

CCRIS stands for Central Credit Reference Information System. BNM owns and runs it. Banks, Islamic banks, development financial institutions (such as Bank Rakyat and BSN), some payment instrument issuers and other participating institutions report their borrowers' facilities to BNM every month. BNM then turns that data into a credit report.

Three things CCRIS is not:

• Not a blacklist. BNM says plainly that CCRIS only stores facts about your borrowing and repayments. It doesn't hold a list of "bad" borrowers.
• Not a credit score. BNM doesn't rate you or give an opinion on whether you should get a loan. Each bank decides using its own policy.
• Not a full record of all your debt. Only lenders that take part in CCRIS report to it. Some credit providers don't, so a debt can exist without showing up in CCRIS.

How to get your CCRIS report (free)

1. Online through eCCRIS at eccris.bnm.gov.my. Malaysians with a MyKad and internet banking can register online. To confirm your identity, you transfer RM1.00 to a BNM account, and BNM refunds it automatically within 2 working days.
2. At a CCRIS kiosk in any AKPK (Agensi Kaunseling dan Pengurusan Kredit) office. Use this if you don't have internet banking or need to reactivate a locked account.
3. Non-Malaysians and companies apply through BNM's eLINK channel with the application form from the BNM CCRIS page.

The report is free and there's no limit on how often you download it. eCCRIS is open from 6:00 a.m. to midnight, Monday to Friday, except public holidays. Your bank can't hand you your CCRIS report, and nobody else can get it for you (the exceptions are next of kin for a seriously ill person and the administrator of a deceased person's estate, both with documents).

How to read your CCRIS report

The report has four main sections:

• Outstanding Credit: every active facility, such as housing loans, car hire purchase, personal loans, credit cards and overdrafts.
• Special Attention Account: impaired facilities that the lender is watching closely or trying to recover. If you see an account here, call that lender first.
• Application for Credit: applications from the last 12 months that are pending or approved. Rejected applications aren't shown.
• Property details: shown when an application is for a property loan.

For each facility, the main columns are:

• Date: when the facility was approved (or when a pending application was made).
• Status: for example *Outstanding*, *Restructured*, *Rescheduled*, or *Loan under Repayment Assistance Programme by AKPK*.
• Capacity: *Own* (yours alone), joint, or through your sole proprietorship.
• Lender and branch.
• Facility type: credit card, housing loan, purchase of passenger cars, and so on.
• Total outstanding balance (RM) and the date it was last updated.
• Limit / instalment amount (RM): the approved limit, or the fixed instalment you pay.
• Collateral type: for example 00 clean (no security), 10 property, 30 motor vehicle.
• Instalments in arrears for the last 12 months: one number per month.
• Legal status: for example summons or auction, with the date it was updated.

What the 12-month numbers mean

This row is what loan officers look at first. Each number is how many instalments you were behind in that month:

• 0 means you were up to date.
• 1 means one instalment was in arrears.
• 2 means two instalments were in arrears, and so on.

Read the month labels above the row to see which number belongs to which month. A row of zeros is what you want. Paying late once usually shows as a 1, and if you don't catch up, it grows to 2, 3 and so on.

Worked example 1: two missed car instalments

Farah pays RM620 a month on her car loan. She misses her August 2026 and September 2026 payments.

• August: she's one instalment behind, so CCRIS shows 1.
• September: she's now two instalments (RM1,240) behind, so CCRIS shows 2.
• On 15 October 2026 she pays RM1,860, which covers the RM1,240 in arrears plus October's RM620. October shows 0.

Her account is now up to date, but the 1 and 2 stay in the 12-month row. BNM confirms that settling arrears doesn't erase past months: the report always shows the last 12 months as they happened. The September "2" only drops out once it's more than 12 months old, around September 2027. That's why one catch-up payment doesn't instantly fix a record, and why paying on time from now on matters most.

(Lenders may also charge late payment fees under your agreement. CCRIS only records the arrears count, not the fees.)

How CCRIS feeds into your DSR

Banks use CCRIS to check the commitments you listed on your application, and to find any you forgot. Those commitments go straight into your debt service ratio (DSR). See what DSR is and how banks calculate it.

Worked example 2: checking DSR from your CCRIS report

Hakim's net income (after tax and EPF) is RM5,000 a month. His CCRIS report shows:

• Housing loan instalment: RM1,450
• Car hire purchase instalment: RM620
• PTPTN repayment: RM180

Total commitments = RM2,250. DSR = RM2,250 ÷ RM5,000 = 45%.

He wants a personal loan with an instalment of about RM420 (estimate yours with the personal loan calculator). New DSR = (RM2,250 + RM420) ÷ RM5,000 = 53.4%.

Now suppose instead he settles the car loan in full first. Without the RM620, his DSR falls to (RM1,450 + RM180) ÷ RM5,000 = 32.6%, which leaves far more room for a new housing loan. You can try different loan amounts in the housing loan calculator.

Worked example 3: when a settled loan disappears

Lenders report to BNM monthly, and BNM says updates appear in CCRIS by the 10th of the following month (later if there are public holidays). If Hakim settles his car loan on 20 November 2026, the closed account should show by about 10 December 2026. If he applies for a home loan on 25 November, the bank may still see the RM620 instalment. Keep the settlement letter from the lender to show the bank, or wait until the report updates and download a fresh copy.

CCRIS vs CTOS: what's the difference?

• CCRIS is run by BNM, is free, and only contains data from participating financial institutions.
• CTOS, Experian and Credit Bureau Malaysia are private credit reporting agencies registered with the Ministry of Finance under the Credit Reporting Agencies Act 2010. With your consent they can access CCRIS data, and they may also add information from other sources. They may charge for their reports and scores.

Banks often check both. If a lender mentions a problem with "CTOS", ask which source the problem comes from, then check your CCRIS report first, since it's free.

Common mistakes

• Thinking you're "blacklisted". There's no BNM blacklist. One bank's rejection doesn't mean every bank will reject you, because lending policies differ.
• Expecting a settled arrears record to vanish. It stays visible for 12 months. Only later on-time months improve the picture.
• Applying the day after settling a loan. Give the lender until the 10th of the next month to report it, or bring the settlement letter.
• Forgetting small facilities. A credit card you never use still shows its limit. A small service charge that pushes a current account below zero can show as a temporary overdraft until you pay it.
• Ignoring joint or guarantor exposure. Joint loans and loans for a business you own show on your report. If you guarantee someone's loan and they default, you can still be liable under the guarantee.
• Paying someone to "clean" your CCRIS. Only the reporting lender can correct an entry. BNM itself doesn't change the data.

How to fix a wrong entry

1. Download a fresh report from eCCRIS and note the lender, facility and account number.
2. Contact that lender's complaints unit with your proof, such as a settlement letter or payment receipts. BNM says the lender may take up to 14 working days to respond.
3. The lender sends the correction to BNM. Check your report again after the next 10th of the month.
4. If you dispute a loan itself (for example the interest charged), BNM can tag your report while the dispute is ongoing. Ask BNM through BNMLINK about this "Special Name" tag.
5. If you're struggling with repayments, contact AKPK for free counselling and a possible Debt Management Programme. Loans under AKPK programmes show that status in CCRIS.

Quick checklist before a loan application

• Download your CCRIS report about 1–2 months before you apply.
• Check that every facility belongs to you and the balances look right.
• Aim for a row of 0s for the last few months.
• Settle or reduce small debts early enough for the update to show.
• Work out your DSR using the instalments on the report.

Buying a home soon? Read buying your first house before 30 for the full cash and EPF plan.