How to Check Your Credit Score in Malaysia: CTOS, CCRIS, and BNM

To access your Malaysian credit report:

1. Visit CTOS (ctos.com.my) or CCRIS (Bank Negara's Central Credit Reference Information System) via eCCRIS portal.
2. Register with MyKad (IC) and verify identity (OTP, biometric).
3. Log in to view credit score, accounts, payment history, defaults, inquiries.
4. Request free annual report from Bank Negara Malaysia (BNM) via eCCRIS or branches.

Tip: Check quarterly. Dispute errors directly with the reporting agency. Good score = easier loans, better rates.