Personal Finance Term
CTOS
CTOS Score
A credit score from 300–850 calculated by CTOS Data Systems, Malaysia's largest credit reporting agency. Higher scores indicate lower credit risk to lenders.
CTOS aggregates data from CCRIS, court judgments (bankruptcies, legal actions), trade references, and public records. On CTOS's own score gauge, 697–717 is Good, 718–743 Very Good and 744–850 Excellent; banks do not publish the score they require. Unlike CCRIS, CTOS includes non-banking data — a bounced cheque or legal judgment appears here even if you have no loans.
CTOS says you get 2 free basic reports a year (no score and no CCRIS data); the full report with your score and CCRIS records costs RM27.90 including SST (CTOS's price on 17 October 2026). Banks use both CTOS and CCRIS when evaluating loan applications — a strong CTOS score helps, but a poor CCRIS repayment history can still cause rejection.