Purposes to Check CCRIS Report

What’s the purpose to check CCRIS? And what is inside the credit report? Basically, the credit report displays the following credit information of a borrower:

1) OUTSTANDING CREDIT

All outstanding credits obtained by the borrower, either under:-

• His own name;
• A joint with another person;
• A name of a sole proprietorship; or
• A partnership or a professional body

Such outstanding credit would exclude any accounts which have been fully settled

2) SPECIAL ATTENTION ACCOUNT

All outstanding credits under close supervision by financial institutions

3) APPLICATION FOR CREDIT

All applications approved in the previous 12 months for the borrower, either under:-

• His own name;
• A joint with another person;
• A name of a sole proprietorship; or
• A partnership or a professional body

The applications would not include any application that have been rejected, deleted or cancelled

For more information, please visit Credit Bureau, Bank Negara Malaysia