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What is CCRIS and CTOS?

CCRIS, Central Credit Reference Information System and it is the computerised database maintained at Bank Negara Malaysia (BNM), the Central Bank of Malaysia. By collecting and processing of credit information of about 9 million borrowers from financial institutions into credit reports, which then are made available to the financial institutions.

CTOS, Credit Tip-Off System is a privately run database that maintain information on legal proceedings against individuals and business entities in Malaysia. It is widely used in the financial industry for assessing borrower's credit score.