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Central Credit Reference Information System (CCRIS)
CCRIS is a system that collects credit information on borrowers from financial institutions and supplies the information back to them. This is one of the sources of information used by financial institutions to help them establish a view of the credit histories of potential or current borrowers. It is not a blacklist system as perceived by some people.
One of the functions of Bank Negara Malaysia is to regulate and supervise the financial institutions so that the financial system of the country would be sound and stable. As such, the Bank promotes prudent credit policies and professionalism among the financial institutions, including the adoption of best business practices in credit risk management. One way of doing this is by providing CCRIS to the financial institutions so that they can make faster and better informed lending decisions.
Check CCRIS? Worried that someone may have stolen your identity?
You can obtain your credit report once in every 3 months.
If you are from the Klang Valley, you can get your credit report instantly at Bank Negara Malaysia (Block D, Ground Floor) or by mail/fax (take 2 – 4 weeks to process your request for credit report via mail/fax as the report will be sent to the nearest financial institutions to your home address for your collection.)
For more information, you can contact BNMLINK
Frequently Asked Questions (FAQ) about CCRIS, please click HERE