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.