Hi

Just found out this write up about credit report and ctos for sharing

What is CTOS?
CTOS is a registered Credit Reporting Agency under the ambit of the Credit Reporting Agencies Act 2010. CTOS collates and provides individuals with their credit reports that detail their credit history for the past 24 months, legal proceedings, company ownership and directorship, and even testimonies from companies that they have business dealings with.
Before applying for any loan, you can evaluate your credit profile via CTOS to ensure your credit records are clear and free from any doubts so you get the best possible chance of getting an approval from the bank.

How to get your FREE MyCTOS report online?

Sign Up





1. Registration of account
To get the report online, you need to create an account on CTOS website.
Then, attach the images (front and back) of your MyKad to verify your details, and fill in your mobile number TAC verification code will be sent to your mobile to complete the registration process.

2. Activation of CTOS ID
CTOS will require 3 working hours to verify your details and provide you with a valid User ID that you need to access your CTOS report.

3. Accessing your MyCTOS report
Just login to CTOS using your login and password, and click on MyCTOS Report.

For more comprehensive MyCTOS report with CCRIS just login and buy the report for RM20.

What do financial institutions look at on your MyCTOS report?

Your CCRIS details which further broken down to 3 parts:
1. Outstanding credit
2. Special attention account
3. Credit application

Does bank really look into this report?
I want to know more about this.

Newbie + Q with Sharing = "infomercial"?

Anyhow, for personal - CCRIS from BNM is free + can just email request with filled/signed & scanned form.
Needn't pay $
Banks accept CCRIS from me in relations to loans, credit worthiness, etc.

I wouldn't want to upload my IC online.

https://forum.lowyat.net/topic/741069