CTOS

CTOS is a credit reporting agency (CRA) established in 1990 and described on its official site as Malaysia's leading CRA. It operates under the purview of the Registrar Office of Credit Reporting Agencies, Ministry of Finance, and is regulated under the Credit Reporting Agencies Act 2010. CTOS provides credit risk management solutions and services used by banking and financial institutions, insurance and telecommunication companies, large corporations, SMEs, legal firms and statutory bodies. It offers consumer-facing products including credit reports, CTOS Score, CTOS SecureID fraud protection and credit monitoring, and CTOS Credit Manager for business credit risk management. CTOS states that it does not evaluate or make recommendations on credit applications.

CTOS was established in 1990. Its official site describes it as Malaysia's leading Credit Reporting Agency (CRA), operating under the purview of the Registrar Office of Credit Reporting Agencies, Ministry of Finance, and regulated under the Credit Reporting Agencies Act 2010. CTOS states that it facilitates credit extensions by providing individuals and businesses with access to information, and that it delivers a complete portfolio of credit risk management solutions and services widely used by the country's banking and financial institutions, insurance and telecommunication companies, large corporations, SMEs, legal firms and statutory bodies. CTOS also states that it does not evaluate or make recommendations on credit applications.

Malaysia's leading Credit Reporting Agency, empowering Malaysians to achieve better financial credit health.

• Credit Report

  Full Credit Report with CCRIS & Score priced at RM 27.90, including everything in the Basic Report, CTOS Score, CCRIS Records (BNM), and access to rewards.

• Basic Report

  Basic Report (without CCRIS & Score) is free and includes personal information (NRD), directorship & business interest (SSM), litigation & bankruptcy, and trade referee listings (eTR); 2 free basic reports a year.

• CTOS SecureID

  Fraud protection and credit monitoring service with monthly RM9.90 or yearly RM99.00 pricing, offering fraud protection & alerts, leaked personal info & data breach on the dark web monitoring, new credit application & account closures alerts, change of address & contact information alerts, 4 credit reports yearly, missed payment alerts, and fraud & Takaful coverage.

• CTOS Score

  A credit score product that helps users take control of their credit and increase their chances of getting a loan.

• CTOS Credit Manager

  Described as Malaysia's No.1 credit management solution which helps manage and reduce business credit risk in 3 simple steps.

1. 1Credit Check, Credit Score, Credit Report & Credit Bureau | CTOSctoscredit.com.my
2. 2Find Out How to Improve Your Credit Score | CTOSCREDIT Can Helpctoscredit.com.my
3. 3Malaysia Leading Credit Bureau for Consumer and Business | CTOSCREDITctoscredit.com.my
4. 4Anti-Bribery and Anti-Corruption Policy - CTOS - Malaysia's Leading Credit Reporting Agencyctoscredit.com.my