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.
How to Check CCRIS Online (e-CCRIS Portal)
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.
Without Internet Banking: CCRIS Kiosks at AKPK
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.
You can also apply through Bank Negara's eLINK by sending a completed application form (download it here) with supporting documents. A utility bill in your own name is required.
For help, call BNMTELELINK on 1-300-88-5465 (or +603-2174 1717 from overseas).
How to Read Your 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
Multiple applications in a short period can signal desperation to lenders. If you're rate-shopping for a home loan, try to keep all applications within a 2-week window — most lenders understand that concentrated checks are comparison shopping, not distress borrowing.
What the Repayment Codes Mean
The repayment status section uses a single-digit code for each month. Here's the scale:
| Code | Meaning |
|---|---|
| 0 | Current — no missed payments |
| 1 | 1 month overdue |
| 2 | 2 months overdue |
| 3 | 3 months overdue |
| 4 | 4 months overdue |
| 5 | 5 months overdue |
| 6 | 6 months overdue |
| 7 | 7 months overdue |
| 8 | 8 months overdue |
| 9 | 9 or more months overdue |
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 BNMTELELINK on 1-300-88-5465.
"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.
Every guide on money.com.my is fact-checked against primary sources (Bank Negara Malaysia, Department of Statistics Malaysia, KWSP/EPF, LHDN) before publication. If you find an error, email corrections@money.com.my — corrections are published with a dated amendment note.
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.