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    • Home
    • About Us
    • Guides

      Savings Calculator to calculate savings goals and basic savings projections

      Planning & Budgeting

      Investment Returns Calculator to calculate investment returns, investment comparisons and investment portfolio simulator

      Saving & Investing

      Guides to tackle financial debts in Malaysia for Free

      Tackling Debt

      Free Guides on Choosing and purchasing a vehicle in Malaysia

      Buying a Vehicle

      Free Guides on Purchasing a Home in Malaysia and avoiding crippling debt

      Buying a Home

      Free Guides On purchasing insurance in Malaysia safely

      Insurance

      Free guides to ensure a comfortable Retirement by planning your retirement

      Retirement

      All Guides Icon

      All Guides

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      GuidesTackling DebtCredit scoring
      • Introduction 1

        • Lecture1.1
          Summary
      • Deep, deep dive 4

        • Lecture2.1
          What is credit scoring
        • Lecture2.2
          What is a credit report?
        • Lecture2.3
          What types of credit reports are there?
        • Lecture2.4
          What determines my credit score?
      • Practical Tips 4

        • Lecture3.1
          How do I improve my credit score?
        • Lecture3.2
          What should I avoid when trying to improve my credit score?
        • Lecture3.3
          How do I understand my credit report?
        • Lecture3.4
          What do I do if the information in my credit report is incorrect?
      • Additional information 4

        • Lecture4.1
          Who can view my credit report?
        • Lecture4.2
          Can I request information to be removed from my credit report?
        • Lecture4.3
          If I have a bad credit score, does that mean I won’t get approved for a loan?
        • Lecture4.4
          Quiz: Credit Scoring

        What types of credit reports are there?

        Different credit reporting agencies may produce credit reports with different types of information in them. Generally, here are a few different types of credit reports you can get:

         

        1. You can get a basic credit report at Bank Negara Malaysia (BNM) branches or online via eCCRIS for free. It will list all outstanding loans related to your name, whether any of these loans are under close supervision of the related financial institutions (called ‘Special Interest Accounts’) and any loan applications you have made in the past 12 months.
        2. Some credit rating agencies also provide free basic credit reports that contain information such as identity verification details, directorship and business interests, dishonoured cheques, trade referee listings and litigation information. You can get a free report from a credit report agency like CTOS here.
        3. Alternatively you could pay for a full, comprehensive credit report that contains detailed information from, both, points 1 & 2. On top of this, they may also give you a ‘credit score’ that reflects your creditworthiness.
        Prev What is a credit report?
        Next What determines my credit score?

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        What’s your spending style?

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        Whats Your Finance Personality?

        Find out if you’re a Money Boss, Finance Cadet or a Finance Newbie by taking this quiz!

        1. It's the end of the month, you are thinking...
        2. Say you want to go shopping for fun, do you...
        3. So you crashed your car and it's going to cost RM1,000 to fix, you
        4. Your credit card statement is in and your reaction is
        5. After months of saving (see "sikit -sikit, lama-lama jadi bukit" really is true), you've got cash sitting in the bank. You then
        6. You're buying a new car (yes, imagine away - Toyota, Proton, or BMW). You take
        7. You are thinking of investing. What do you do...
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