What is CCRIS Report?

The Central Credit Reference Information System (CCRIS) is a system created by Bank Negara Malaysia’s (BNM) Credit Bureau to provide standardised credit reports on a potential borrower.

CCRIS is basically a centralised database which offers a picture of your financial health. BNM is provided with monthly updates by relevant institutions to compile the necessary information, such as:

  • Banks
  • Insurance providers
  • Development financial institutions
  • Payment instrument issuers
  • Credit leasing companies
  • Government agencies
  • Private utility companies

This then enables financial institutions and lenders to effectively assess the creditworthiness of a potential recipient through reference to a recorded financial history.

In addition, BNM can also assist financial institutions in reaching faster and better informed lending decisions, by providing them with these credible reports.

3 Ways To Get CCRIS Report For FREE

  1. In person – You can request a copy of your credit report in person at the BNM Head Office and BNM Regional Offices. You must present an application form along with a copy of your MyKad and requested supporting documents such as driving licence or passport. Alternatively you can access this report automatically using a kiosk at participating BNM branches. Simply insert your MyKad into the credit kiosk, provide your thumbprint, and once your identity has been verified, you can print a CCRIS report.
  2. By correspondence – You can mail, e-mail, or fax your request for a report to BNM TELELINK, Bank Negara Malaysia. It’s important to check you attach all requested documents as part of your correspondence.
  3. CCRIS Online – It’s now possible to view your CCRIS online via the eCCRIS service. The helpful CCRIS online platform provides simple, secure access to your CCRIS report whenever you need it. The service is free to use, but requires initial registration in person at any branch of BNM Malaysia. Once you’re registered, you can check your CCRIS report at your leisure through the dedicated online eCCRIS portal.
    Refer to news update

Step By Step For eCCRIS Report

To register, the public simply needs to follow these five easy steps:

1.    Walk-in to any Bank Negara Malaysia office or Agensi Kaunseling dan Pengurusan Kredit (AKPK) branch nationwide to perform a one-time registration.

2.    At the CCRIS kiosk, individuals will need to verify their identity using MyKad, and register a valid mobile phone number.
For businesses, an authorisation letter and company registration certificates are required for an authorised person to register on behalf of the company.

3.    A 6-digit PIN will be sent to the registered mobile phone number.

4.    Users are required to key in their MyKad number and 6-digit PIN for first-time login at eCCRIS website.

5.    The user will then be required to
(i) set preferred user ID and password,
(ii) select personal security image and phrase, and
(iii) set three security questions and answers.

Find the nearby BNM Offices:-
a) BNMLINK Kuala Lumpur
Tingkat Bawah, Blok D
Bank Negara Malaysia
Jalan Dato’ Onn
50480 Kuala Lumpur
General Line: +603-26988044
Working Days: Monday to Friday (except for public holidays)
Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

b) BNM Office Pulau Pinang
Bank Negara Malaysia
No. 27, Lebuh Light
10200 Pulau Pinang
General Line: +604-2587588
Working Days: Monday to Friday (except for public holidays)
Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

c) BNM Office Johor Bahru
Bank Negara Malaysia
Jalan Bukit Timbalan
80000 Johor Bahru
Johor
General Line:  +607-2257888
Working Days: Monday to Friday (except for public holidays)
Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

d) BNM Office Kota Kinabalu
Bank Negara Malaysia
Jalan Lapan Belas
88000 Kota Kinabalu
Sabah
General Line:  +6088-522310
Working Days:
 Monday to Friday (except for public holidays)
Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

e) BNM Office Kuching
Bank Negara Malaysia
Jalan Satok
93400 Kuching
Sarawak
General Line:  +6082-252311
Working Days: Monday to Friday (except for public holidays)
Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

f) BNM Office Kuala Terengganu
Bank Negara Malaysia
Jalan Sultan Mohamad
21100 Kuala Terengganu
Terengganu
General Line:  +609-6220571
Working Days: Sunday to Thursday (except for public holidays)
Operating Hours:
9:00 a.m. – 1:00 p.m.
2:00 p.m. – 5:00 p.m

Q & A about CCRIS Report

Absolutely not! If any bank were to unlawfully attempt to do so, it can be subject to severe penalties under the Central Bank of Malaysia Act 2009.

As there’s no way for BNM to verify the authenticity of the caller, and the financial information contained in the report is confidential, BNM is not allowed to do so.

Again, that’s a no. You can only get it from BNM or eCCRIS.

Nope, the credit report will only be released to the owner of the information. Vice versa, you won’t be able to collect it for anyone else, no matter how close you are!

This also applies to any situation where you are/will become the guarantor of a loan. Similarly, if you’re the borrower of a loan and you want to see your guarantor’s credit report, it’s still a no!

Yes, you may. You’d need to fill in a Credit Report Request Form, and submit it with a copy of the following documents:

  • A copy of identity card (MyKad) or passport (if you are a non-Malaysian) of the authorised person.
  • An authorisation letter from the company (on company letterhead) to authorise the person to collect the credit report. The letter should be signed by the company secretary and a minimum of two Directors of the company.
  • A dated certified true copy of the Company Registration Certificate (Form 9) by company secretary.
  • A dated certified true copy of the Company Registration Certificate of Change Name of Company (Form 13) by company secretary (if applicable).
  • A dated certified true copy of the latest List of Directorship of Company (Form 49) by company secretary.

*The letter of authorisation and certified true copies must be dated within 14 working days before the submission date of your request.

Not at all! As BNM merely plays the part of neutral information provider, when one of your applications get rejected, any information of it will not be in your credit report.

This is to ensure that a participating financial institution will not be prejudiced by the decision of another participating financial institution.

They’ll usually do background checks on the individual, which not only involves CCRIS, but information from other credit reporting agencies such as CTOS Data Systems Sdn Bhd (CTOS), and RAM Credit Information Sdn Bhd (RAMCI).

Your bank is responsible for updating your record, not BNM. If you notice it, contact your bank to clarify the matter.

Additionally, please note that your records will be updated by the next reporting date, i.e. not later than 10th of the following month.

Please liaise with the Malaysian Insolvency Department at 03-88851000 on your bankruptcy status and inform the financial institution of the latest status so that it may be reflected in the credit report.