What Is CCRIS?

CCRIS, or its full name Central Credit Reference Information System, is a credit information record used to determine a person''s financial standing.

For example, if monthly commitment payments such as car instalments, credit cards, and PTPTN have no arrears and are paid on time, then the CCRIS report will show a good credit score. The same applies in reverse.

This report is regulated and generated by Bank Negara Malaysia (BNM).

Typically, when a person wants to apply for a loan from a bank, the bank will refer to this CCRIS report to assess the borrower''s financial level and performance.

Previously, to obtain a CCRIS report, you had to visit a Bank Negara kiosk. Then the CCRIS report would be generated.

But today, there is an easier and faster way — taking less than 10 minutes — to generate your CCRIS report online.

How to Check CCRIS Online

Before learning how to check CCRIS online, please note that the online CCRIS application will incur a charge of RM19.50.

For those who check at the Bank Negara kiosk, there is no charge at all.

This online method is suitable for those who do not have time and are busy, as it can save your time without having to visit the Bank Negara kiosk.

Follow the steps below to get your CCRIS report online:

Step 1:

Visit the website MY CREDIT INFO

Step 2:

Select Personal Credit Report Plus and click ''Sign Up''

Step 3:

Click ''GET STARTED''

Step 4:

Fill in your personal details as requested. Make sure to tick the ''Terms & Conditions'' checkbox and the ''I''m not a robot'' checkbox to proceed to the next step.

Then click ''Request/Resend OTP'' to enter the OTP Code. The OTP will be sent via SMS to your registered phone number. After that, click ''SIGN UP''.

Step 5:

Fill in your address details and click ''NEXT''

Step 6:

In the purchase section, select ''Personal Credit Report Plus'' and click ''Buy Now''. RM19.50 will be charged from your bank account.

Step 7:

Choose your preferred payment method — Credit Card, Debit Card, or Online Banking. Then click ''Checkout'' to proceed with the payment process.

Step 8:

Click ''Proceed With Payment''

Step 9:

If you choose Online Banking as the payment method, click Online Banking.

If using a Debit Card or Credit Card, enter your card details and number in the provided fields and click ''Proceed''.

Step 10:

After the payment is successful, return to the MYCREDITINFO page. Click ''Ok, Let''s Go'' to verify your identity.

Step 11:

You will receive an SMS as shown below. Click the link provided to open the URL.

Step 12:

You will then be brought to a page as shown below. Click ''Start''.

Step 13:

Choose to snap a photo of your identity card or upload a file of your identity card.

Step 14:

Click Start and snap the front and back of your identity card. Click ''Confirm''.

Step 15:

Click ''Continue'' for Face Verification and then Start.

Step 16:

Once done, wait for the image quality checking process to complete.

Step 17:

Done! Check your CCRIS report on the MYCREDITINFO website in your browser.

Step 18:

If you have logged out of your account, log in again. Enter your IC number as the Username and your Password.

Step 19:

Click on the ''Summary Credit Profile'' section to view your CCRIS record. For the full CCRIS record, click on ''FULL REPORT''. You can also download it from that page.

Conclusion

With this method, you can save time and energy without having to visit Bank Negara anymore. Besides that, it also makes things easier for those who live far away and have to deal with traffic congestion, especially in urban areas.

You may consider the RM19.50 cost as a replacement for petrol money or travel costs to get to BNM.

So you no longer need to think twice about leaving the house, because this online service has proven to make it easy for you to check your CCRIS report online, right at your fingertips.

FAQ About Checking CCRIS Online

What is CCRIS and why is it important?

CCRIS (Central Credit Reference Information System) is a credit reporting system managed by Bank Negara Malaysia. It records your credit history including loan repayments, credit card payments, and PTPTN. Banks refer to your CCRIS report when you apply for any loan or financing.

How much does it cost to check CCRIS online?

Checking CCRIS online through MyCreditInfo costs RM19.50. However, if you visit a Bank Negara kiosk in person, there is no charge.

How long does it take to get my CCRIS report online?

The entire process takes less than 10 minutes, including registration, payment, and identity verification.

What documents do I need to check CCRIS online?

You will need your Malaysian IC (identity card) for registration and identity verification, a registered phone number to receive the OTP, and a payment method (credit card, debit card, or online banking).

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