Central Credit Reference Information System (CCRIS) is managed by Bank Negara Malaysia. The banks use the credit information of borrowers in the CCRIS report to determine whether to approve the loan application.

A complete CCRIS report will show 3 important information, namely the loan currently owed by the borrower, the loan model, and the number of approved and rejected loans.

CCRIS report only clearly lists the credit history of the borrower within 12 months and it will not directly label whether the borrower is a good borrower. 

Photo Source: Ringgit Plus

Bank Negara launched a free eCCRIS online service, whereby the public can register for free from the Internet and request their own CCRIS report in just a few steps.

Step 1: Visit https://www.bnm.gov.my/index.php?rp=ccrisform to download the registration form.

Photo Source: Bank Negara Malaysia

Step 2: Attach 1 copy of IC and 2 identification information, such as EPF statement, bank statement, driving license, credit card statement, etc.

Photo Source: Bank Negara Malaysia

Step 3: Visit https://telelink.bnm.gov.my/, fill in the information, and upload the registration form and related documents to the relevant webpage.

Photo Source: Bank Negara Malaysia

The advantage of registering as a user of the eCCRIS system is that it allows us to keep abreast of our latest credit information and check whether our name has been stolen by criminals at any time. 

Generally, the CCRIS report is updated once a month. If you find that you have paid off loans, unidentified loans, or debts in the report, you can directly complain to the Bank Negara Malaysia.

For any queries related to eCCRIS, please call the Bank Negara Malaysia hotline at 1300-88-5465.

Cover Photo: iMoney Learning Centre | iProperty.com