Get 20% OFF* on your purchase when you check out with Maybank2u Online Banking. Here’s how:

1. Visit the unique URL by clicking the button in the ‘More info’ section above
2. Fill in your NRIC number and email address
3. Click on the ‘I have a Promo code’ and enter code ‘CTOSMAE’
4. Click ‘Apply’ and ‘Checkout’
5. FPX payment will be auto-selected, click ‘Continue’ to proceed
6. Once the payment is completed, a screen will appear to guide you to complete an electronic identity verification (eKYC).
7. Follow the steps to receive your MyCTOS Score Report.

*Applicable for customers who purchase MyCTOS Score Report for the first time only.

Why do you need a credit report?

1. Loans and credit card approvals
A clean report increases approval chances and shows you’re a responsible borrower.

2. Better interest rates
Strong credit history can qualify you for lower interest rates, saving you money over time on mortgages, car loans or personal loans.

3. Fraud and identity protection
Regularly reviewing your credit report helps you spot errors or fraud early, protecting your financial health.

What is the best time to get a credit report?

1. Two months before applying for a loan
It can give you an idea of whether your loan is likely to be approved and allows time to improve your score if needed.

2. Before major financial decisions
Reviewing your report helps you make informed choices when taking on big commitments like buying a house or starting a business.

3. Every three months
As a rule of thumb, it’s good practice to check quarterly. This helps with fraud detection and keeps you aware of your overall financial health.