How to Check Your CCRIS Report for Free (Step-by-Step Guide)

CCRIS is the credit reporting system run by Bank Negara Malaysia (BNM). Every bank and licensed financial institution in the country feeds your borrowing and repayment data into it. When you apply for a home loan, car loan, or credit card, the lender checks your CCRIS report to see how you've been managing debt.

The good news: you can check your own CCRIS report for free, anytime. No fees, no hidden charges — ever.

For a broader overview of how CCRIS compares with CTOS (the private credit bureau), see our CTOS & CCRIS Explained guide.

Last updated 25 October 2026 · money.com.my Editorial

How do I check my CCRIS report online?#

Bank Negara's own portal is eccris.bnm.gov.my, and checking your own report there is free. The three approved credit reporting agencies (CTOS, Experian and Credit Bureau Malaysia) can also show you CCRIS data, but they may charge for it.

Online registration is for Malaysians with a MyKad and internet banking. If you don't have internet banking, skip to the AKPK kiosk route below.

What You Need#

• Your MyKad number (12 digits)
• A Malaysian mobile number. Bank Negara only accepts numbers from a local telco; your activation code is sent here.
• An email address
• Internet banking with a Malaysian bank, used once to confirm your identity with an RM1 transfer that Bank Negara refunds

Step 1: Register#

Go to eccris.bnm.gov.my and click Register Now. Enter your full name (as on your MyKad), MyKad number, date of birth, mobile number and email, then confirm your details and the terms and conditions.

Step 2: Confirm your identity with RM1#

Choose your bank and make a one-off RM1 transfer to a designated Bank Negara account through your internet banking. It is refunded automatically within 2 working days. Once the transfer goes through, a 6-digit code is sent to your mobile number and email. The code is valid for 7 days, so log in before it expires.

Step 3: First login and security set-up#

Click Proceed to First Time Login (or First Time Login on the eCCRIS home page), enter your MyKad number and the 6-digit code, and set your user ID and password. You then choose a security image and phrase and three security questions. You will need these every time you log in, so keep them somewhere safe.

Step 4: View your report#

Log in with your user ID to see your CCRIS report. You can save a copy as a PDF, which is protected with a password made from the date of the enquiry and the first three characters of your user ID (Bank Negara's example: 30Jan2018Ahm). This is handy if a lender asks you for a copy.

Source: Bank Negara's eCCRIS registration guide and eCCRIS user guide and FAQ.

Can I check CCRIS without internet banking?#

If you have a MyKad but no internet banking or no bank account, Bank Negara's route is the CCRIS kiosk at any AKPK (Agensi Kaunseling dan Pengurusan Kredit) office nationwide, where you can register and get your report. AKPK lists its office locations and opening hours at akpk.org.my.

Bank Negara's eCCRIS User Guide & FAQ (a PDF linked from its CCRIS page; the file is dated February 2022) also lists an eLINK route for Malaysians without internet banking or a bank account: "by submitting completed application form and supporting documents", with the note "Utility bill registered under applicant's name is mandatory". That is the only document Bank Negara names; it does not list the other supporting documents. Bank Negara's current CCRIS page says: "For other users, existing arrangements apply, namely registration via kiosk at AKPK premises, or online via BNMLINK". That BNMLINK link points to telelink.bnm.gov.my, which failed to load when we tried it (TLS handshake failure), and the application form link on the CCRIS page returns 404. The page lists no documents for this route. The "e-LINK Form" at bnmlink.bnm.gov.my is listed in the footer of Bank Negara's contact page, but we have not opened it to check what it asks for. Ask at the AKPK kiosk or call the BNMLINK Contact Centre to confirm which form and documents apply today.

For help, call the BNMLINK Contact Centre on 1-300-88-5465 (Monday - Friday 9am - 5pm).

How do I read my CCRIS report?#

Your CCRIS report has three main sections. Here's what each one means.

1. Outstanding Credit#

This lists every active credit facility you hold with licensed financial institutions in Malaysia — housing loans, hire purchase (car loans), personal loans, credit cards, overdrafts, and any other borrowing.

For each facility, you'll see:

• Lender name (the bank or finance company)
• Type of facility (term loan, revolving credit, etc.)
• Outstanding balance — how much you currently owe
• Credit limit — the maximum approved amount
• Repayment status — a 12-month history, one code per month

This is the section lenders care about most. A clean repayment history here is worth more than a high salary.

2. Special Attention Accounts#

If any of your credit facilities have been classified under BNM's "special attention" category, they'll appear here. This typically means the account has been in serious default — usually 3 months or more of non-payment.

Having an entry in this section is a red flag for lenders. If you see something here that you believe is incorrect, dispute it immediately (see troubleshooting below).

3. Applications in the Last 12 Months#

Every time a financial institution pulls your CCRIS as part of a loan or credit card application, it gets recorded here. This section shows:

• Which institution checked your report
• When they checked it
• What type of credit you applied for

CTOS advises doing your rate shopping for a given loan "within a focused period of time".

What the Repayment Codes Mean#

The repayment status section uses a single-digit code for each month. Here's the scale:

What lenders want to see: A straight row of 0s across all 12 months, across all your facilities. Even a single "1" can trigger questions during a loan application, especially for housing loans.

What raises alarms: Any code of 3 or above is serious. Multiple facilities with codes of 1 or 2 also signal a pattern, not just a one-off late payment.

The data in your CCRIS report comes exclusively from licensed financial institutions regulated by BNM — banks and finance companies. It does not include BNPL (buy now pay later) balances, utility bills, or rent payments.

Common Issues and Troubleshooting#

"I can't log in to e-CCRIS"#

If you've forgotten your user ID or password, click Forgot User ID or Password? on the login page, enter your MyKad number and answer your security question. If you're still stuck, or your account is locked, call the BNMLINK Contact Centre on 1-300-88-5465 (Monday - Friday 9am - 5pm).

"My name doesn't match"#

Your name in e-CCRIS must exactly match your MyKad. If your IC has a spelling variation that differs from what the bank has on file, you may see duplicate entries or mismatched records. Contact BNM directly to resolve name discrepancies.

"There's wrong information on my report"#

If you spot an error — a loan you've already settled still showing as outstanding, a repayment code that's wrong, or a facility you never applied for — contact the lending institution first. The bank is responsible for updating the data they submit to BNM. If the bank doesn't resolve it, escalate to BNM through their complaint channels.

Do not ignore errors. An incorrect late payment record can cost you a better interest rate on your next loan or even cause a rejection.

"I see a loan I never applied for"#

This could indicate identity fraud. Contact BNM and the listed financial institution immediately. File a police report. Request that the fraudulent entry be flagged while the investigation is ongoing.

How Often Should You Check?#

At minimum, check your CCRIS report once a year — even if you have no plans to borrow. Think of it like a financial health checkup.

Check it before any major loan application:

• 3–6 months before applying for a home loan — gives you time to fix any issues
• Before applying for a car loan or personal loan — know your standing first
• After settling a loan — confirm it shows as settled in the system
• If you suspect identity theft — check immediately

It's free and takes 5 minutes online. There's no reason not to.

Next Steps#

Once you've reviewed your CCRIS, you'll have a clear picture of how banks see your credit behaviour. If you're planning to apply for a home loan or refinance, interest rates matter just as much as your credit record — use our OPR Tracker to see how Bank Negara's rate decisions affect your monthly repayments.

Amendment, 4 October 2026. This guide sent readers to ecredit.bnm.gov.my, an address that does not exist; Bank Negara's portal is eccris.bnm.gov.my. The registration steps described an email verification; Bank Negara's guide uses a one-off RM1 internet-banking transfer and a 6-digit code sent to your phone and email, and the steps above now follow it. The guide also said you could walk into any Bank Negara office for a printed report; Bank Negara lists the CCRIS kiosks at AKPK offices and its eLINK application instead, so that section was replaced. The password-reset and account-lock advice was corrected to Bank Negara's own flow.

Amendment, 17 October 2026 (answer shape). Added a short answer at the top and a "Last updated" line, and put three headings in question form. The answer's RM1 transfer, the refund within 2 working days, the 6-digit code and its 7-day validity, and the CCRIS kiosk at AKPK come from Bank Negara's eCCRIS registration guide and user guide and FAQ, re-read 17 October 2026 (see docs/verification-log/geo1-batch4/evidence.md). Those two documents do not state that viewing a report is free, so the answer does not say it. No figure, rule or source in the body was changed.

Amendment, 17 October 2026 (BNMLINK). The guide called Bank Negara's contact line "BNMTELELINK" and gave an overseas number. Bank Negara's contact page (bnm.gov.my/contact-us, read 17 October 2026) lists "BNMLINK Contact Centre 1-300-88-5465 Monday - Friday 9am - 5pm" and no overseas number, so the guide now uses that name, number and hours and the overseas number is removed. The eLINK address and application-form link in this guide could not be re-checked (the eLINK address failed its TLS handshake and the form link returned 404); see docs/verification-log/roadtax-ccris-oct18/evidence.md.

Amendment, 17 October 2026 (eLINK and form links). The guide linked Bank Negara's eLINK at telelink.bnm.gov.my, which no longer loads, and a "download it here" link to bnm.gov.my/ccrisapplication, which leads to a page that returns 404. The eLINK link now points to the "e-LINK Form" at bnmlink.bnm.gov.my, as listed in the footer of Bank Negara's contact page, and the dead form link is removed. Bank Negara's BNMLINK page keeps its telephone block, including an overseas number, only inside an HTML comment, so it is not shown to visitors; that supports the earlier removal of the overseas number. We have not opened the e-LINK Form to check what it asks for. Evidence: docs/verification-log/roadtax-ccris-oct18/evidence.md.

Amendment, 17 October 2026 (utility bill). The guide said "a utility bill in your own name is required" for the eLINK application, in the body and in the FAQ, with no source. Bank Negara's eCCRIS User Guide & FAQ (bnm.gov.my/documents/20124/6190098/eCCRIS_FAQ_en.pdf; sha256 6dac039868d99d3d7275be15a2e8d48e44d7aaaa1f9d0c3baaed3d1b98433983; PDF dated 18 February 2022) does say it, in Q1(b)(ii) and Q2: "Note: Utility bill registered under applicant's name is mandatory." So the claim is kept, now attributed to that FAQ and with its limits stated: the FAQ is from 2022 and names only the utility bill among the "supporting documents". Bank Negara's current CCRIS page (sha256 cf189339a8296fd313c23b10c6245d394e187b55e77646dfa444103ce3731ec1) says, in "CCRIS Registration": "For other users, existing arrangements apply, namely registration via kiosk at AKPK premises, or online via BNMLINK" (linked to telelink.bnm.gov.my). The paragraph that described the eLINK application form route and its documents is inside an HTML comment, the form link returns 404 and the site fails the TLS handshake. Nothing on the CCRIS page, the eCCRIS login page, the BNMLINK page or the contact page lists the documents required. Evidence: docs/verification-log/guide-followups-oct17/.

Amendment, 25 October 2026 (rate shopping). The section on credit applications said multiple applications "can signal desperation to lenders", advised keeping home loan applications "within a 2-week window" and said "most lenders understand that concentrated checks are comparison shopping, not distress borrowing". None of these is on BNM's CCRIS page or CTOS's pages (evidence batch H withdrew the same 14-day and "desperation" claims from the CTOS and CCRIS guide; see docs/verification-log/followups-property-credit-oct25/evidence.md). They are removed, and the section now quotes CTOS's advice to rate-shop "within a focused period of time". No other figure changed.

Amendment, 30 October 2026 (phone numbers). Bank Negara's overseas phone number was removed from the earlier note because it is not shown on its contact page. Use the BNMLINK number given in this guide.