The Central Credit Reference Information System (CCRIS) maintained by Bank Negara Malaysia is an important tool used by financial institutions to assess creditworthiness. In this comprehensive 2025 guide, we will demystify what a CCRIS report is, show you how to check it—including online methods—and help you understand how to read it effectively.
What is a CCRIS Report?
CCRIS is a centralized system that collects credit-related data from banks and financial institutions across Malaysia. The report compiles:
- Outstanding loan amounts
- Payment history
- Credit card usage
- Special mention accounts
- Legal statuses related to credit
It is not a credit score but a factual summary of your current and past credit obligations. Financial institutions use it to evaluate new credit applications and ongoing credit risk.
How to Check Your CCRIS Report in 2025
There are two main ways to access your CCRIS report:
- Online via eCCRIS Portal
Visit the eCCRIS portal and register using your MyKad and registered mobile number. Once verified, you can view and download your credit report securely. - In Person
Visit any Bank Negara Malaysia office or designated kiosk. Bring along original identification documents for verification.
How to Read Your CCRIS Report
The report includes several sections such as:
- Credit Facilities: Lists all loans, cards, and financing with corresponding limits and outstanding balances.
- Payment Records: A 12-month history of repayment behavior indicated by 0 (on time), 1 (one month overdue), etc.
- Enquiries: Shows institutions that have accessed your CCRIS record recently.
Understanding these components helps you identify issues that may impact your creditworthiness and allows you to take corrective action.
Who Can Access Your CCRIS Report?
Access is strictly regulated. The following parties may view your report under appropriate conditions:
- You, the individual (with MyKad verification)
- Licensed financial institutions when you apply for credit
- Authorized representatives with valid documentation
Why the CCRIS Report Matters
Your CCRIS report is foundational to financial planning. Regularly reviewing it can help you:
- Catch and dispute errors
- Improve loan approval chances
- Understand lender decisions
Maintaining a healthy credit profile benefits your access to better financial products in the future.
FAQs
- Is CCRIS a blacklist?
No. It’s a neutral report showing repayment history, not a judgment. - How do I fix errors?
Contact the financial institution that reported the data. BNM does not amend third-party records. - Will checking my own report affect my credit?
No. Your own access is not considered an enquiry by lenders.
Staying informed and proactive with your CCRIS report is a smart financial habit every Malaysian should adopt in 2025 and beyond.
