5 MIN READHow To Get Your Credit Report In Malaysia


Time and again we have mentioned and heard about how important your credit report is, especially when you are applying for a loan. Banks and other financial institutions place great importance on the credit report of anyone who comes to do business with them. Obviously, this makes it very important that we keep a good and clean credit report. Yet how do you know whether your credit report is good if you don’t even see it?

Some people believe that you can only see your credit report if you are part of a financial institution. This is not the case; anyone can see their own credit report.

In this article, we will tell you how you can get your credit or CCRIS report.

What is CCRIS?

CCRIS stands for Central Credit Reference Information System. It is a centralized system under Bank Negara which compiles data on your outstanding loan amount and payment history for the past 12 months, at any given time. Any records older than 12 months are erased.

How can I get my credit report?

There are a few ways you can get your credit (or CCRIS) report.


1. Go to Bank Negara

You can get your CCRIS report by simply going to Bank Negara Malaysia with your MyKad and other supporting documents that can verify your identity such as your driving licence or passport. Once there, you can approach a counter and submit a request for a report and it will be provided to you due course. Or you could find the credit kiosk and insert your MyKad into the slot. You will be prompted to place your right thumb for fingerprint identification. Once your identity has been verified, you can print out a copy of your report.

There are six locations/Bank Negara offices you can go to, to get your credit report. These are:

1) BNMLINK Kuala Lumpur

Tingkat Bawah, Blok D

Bank Negara Malaysia

Jalan Dato’ Onn

50480 Kuala Lumpur

Phone No: +603-26988044

Working Days: Monday to Friday (except for public holidays)

Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

2) BNM Office Pulau Pinang

Bank Negara Malaysia

No. 27, Lebuh Light

10200 Pulau Pinang

Phone No: +604-2587588

Working Days:Monday to Friday (except for public holidays)

Operating Hours:9:00 a.m. – 5:00 p.m. (including lunch time)

3) BNM Office Johor Bahru

Bank Negara Malaysia

Jalan Bukit Timbalan

80000 Johor Bahru, Johor

Phone No: +607-2257888

Working Days:Monday to Friday (except for public holidays)

Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

4) BNM Office Kota Kinabalu

Bank Negara Malaysia

Jalan Lapan Belas

88000 Kota Kinabalu, Sabah

Phone No: +6088-522310

Working Days: Monday to Friday (except for public holidays)

Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

5) BNM Office Kuching

Bank Negara Malaysia

Jalan Satok

93400 Kuching


Phone No: +6082-252311

Working Days: Monday to Friday (except for public holidays)

Operating Hours: 9:00 a.m. – 5:00 p.m. (including lunch time)

6) BNM Office Kuala Terengganu

Bank Negara Malaysia

Jalan Sultan Mohamad

21100 Kuala Terengganu, Terengganu

Phone No: +609-6220571

Working Days: Sunday to Thursday (except for public holidays)

Operating Hours:

9:00 a.m. – 1:00 p.m.
2:00 p.m. – 5:00 p.m.

2. Request via correspondence

If you cannot make the trip to BNM then you can mail, email or fax your application in writing along with the following:

  • Credit Report Request Form (CRR)
  • Loan Declaration Form
  • A clear photocopy of your MyKad (both sides) or your passport
  • Any combination of two other documents (with your name and address stated clearly on each copy) from the following:
  • Water bill
  • Electricity bill
  • Telephone bill
  • Bank account statement
  • Credit card statement
  • EPF statement

You can download the required form here.

You can send the completed form along with the supporting documents to BNM TELELINK, Bank Negara Malaysia at:


LINK and BNM Offices

Bank Negara Malaysia

P.O Box 10922

50929 Kuala Lumpur

Fax No: +603 2174 1515



3. Get it via eCCRIS

eCCRIS is a secure online platform for the public to access their own CCRIS report anywhere via the internet. The service is free and is available nationwide. You will need to register yourself in order to use this service. To register, all you need to do is:

  • Walk-in to any Bank Negara Malaysia office or Agensi Kaunseling dan Pengurusan Kredit (AKPK) branch.
  • Approach a CCRIS kiosk and verify your identity using MyKad, and register a valid mobile phone number.
  • A 6-digit PIN will be sent to the mobile phone number.
  • You will need to key in your MyKad number and 6-digit PIN for first-time login at https://eccris.bnm.gov.my
  • You will then be required to set a preferred user ID and password. Next, select a personal security image and phrase, and set three security questions and answers.

Once you are registered you may simply go to https://eccris.bnm.gov.my, login, and Check ENQUIRY > Self Enquiry – Individual.

Once you have it, you can review your credit report at your leisure, keep track of your financial scores and remedy anything that may be amiss.


Have more questions about your credit report? Talk to us, send us a message at hello@iqiglobal.com or call us at 012-299-6155 or 03-7450-6655.

Liked what you read? Check out this article next: How To Prepare Your Credit When You Are Buying A Home

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