CTOS Credit Report

What is a credit report?

A credit report is basically your financial report card. It shows how you’ve managed your money over time. For example, it contains information on whether you’ve paid your bills on time, how much debt you have and if you’ve applied for any loans.

CLICK HERE TO PURCHASE

What is CTOS?

CTOS (CTOS Data Systems Sdn. Bhd.) is Malaysia’s leading credit reporting agency. CTOS provides credit reports that are widely used in Malaysia’s financial system. Banks, financial institutions, law firms and businesses rely on CTOS reports to assess the reliability of individuals or companies before approving loans or credit applications.

You can purchase your MyCTOS credit report via the MAE app and pay via Maybank2u Online Banking. Refer to the quick steps below to make your purchase.

Step 1: Launch the MAE app and tap View All under Quick Actions

Step 2: Go to the BANKING tab and tap Credit Report

Step 3: Then, tap CLICK HERE TO PURCHASE

Step 4: Key in your NRIC/ Passport No.

Step 5: Tap Checkout and pay with Maybank2u Online Banking (FPX)

Step 6: You will receive your MyCTOS Score Report via your registered email

Notes:

1. For first-time buyers, once your payment is completed, you are required to complete the standard electronic identity verification (eKYC) process within the CTOS platform to verify your identity and prevent fraud.

2. For any enquiries, issues or disputes relating to the fulfilment of the MyCTOS Score Report (including access, delivery, eKYC, and/or CTOS systems) shall be directed to CTOS at contactus@ctos.com.my or +603 2722 8833.

1. What is included in a CTOS credit report?
   Your report shows your loans, credit cards, payment history and any legal cases related to finances. It is a summary of how you’ve managed your money over time.
   
   
2. How often should I check my credit report?
   You should check your credit report at least once a year or before applying for a loan or credit card. This way, you’ll know where you stand financially so you can make informed decisions.
   
   
3. How long does it take to get a CTOS credit report?
   Instantly. Once your payment is made, you can download your CTOS credit report right away.
   
   
4. What’s the difference between a credit report and a credit score?
   A credit report is a detailed summary about your financial history. A credit score is a single number that sums up your financial health.
   
   
5. What does my credit score mean? Is it good or bad?
   Your credit score is a three-digit number that sums up your financial health. It is calculated from your payment history, how much credit you use, the mix of credit types you have and how long you’ve been managing credit.
   
   Here is a simple breakdown of CTOS score ranges and what it means:
   
   

   Score Range	Category	What It Means to Lenders
   744-850	Excellent	You’re viewed very favourably by lenders.
   718-743	Very Good	You’re viewed as a prime customer.
   697-717	Good	You’re above average and viable for new credit.
   651-696	Fair	You’re below average and less viable for credit
   529-650	Low	You may face difficulties when applying for credit.
   300-538	Poor	Your credit applications will likely be affected.
   No score	-	Your score couldn’t be generated due to insufficient information.

6. Can I dispute errors in my credit report?
   Yes. If you spot something wrong in your credit report, you can raise a dispute with CTOS and contact them at contactus@ctos.com.my or +603 2722 8833 to have it investigated and corrected.

7. Is my credit information report kept private and secure?
   Yes. Your data is protected with strict security measures and only you can access your report.