What is CCRIS?

CCRIS has been an important part in banks due-diligence on borrowers profile. It’s like credit grading report, it will tell whether you are a good payee or a terrible payee.

Since 2001, bank has started using this tool to assess every prospects they have before deciding to proceed the loan or reject it. CCRIS provides valuable information regarding the prospects total debt facilities and their payment patterns.

It shows the worthiness of the clients as below:

1.  It will show your debt facilities such as Housing loan, Hire purchase, Personal loan, ASB loan, Share margin financing,  Credit cards record, PTPTN loan, Overdraft and Cash out/ Top up term loan.

2. CCRIS provides a comprehensive view of your debt facilities credit line amount such as outstanding amount, how much you owe the bank. Credit limit, how much you initially borrowed from the bank.

3. The table will show the latest 12months term, which means it will show in detail how many arrears of non-repayment you had default and how clean is your repayment record. If you have defaulted once, it will show “1”, if you have defaulted twice in a row, “2” will be shown.

4. It provides insight of collateral of the debts, ownership of the facilities , lender type, approved date.

5. It will have a table list of credit applications. Showing what types of loan has been applied latest by you with banks.

6. Latest bank address that you had deal with

Part of the credit scoring will be calculated based on the amount of debt facilities you acquired, frequency of payments, credit limit, types of facilities and etc. Hence, it is a complete scorecard of your profile to the bank.

There’s 2 ways of getting your CCRIS record:


Head to BNM headquarter
Bank Negara Malaysia 
Jalan Dato’ Onn
P.O. Box 10922
50929 Kuala Lumpur

Tel: 603-2698-8044 / 2698 9044


Bring your IC and your thumbs to retrieve the CCRIS report



Register to this website ,Pay RM10 and fill in your details. You will get almost similar CCRIS of yours via email.

There’s 1 different between both the CCRIS report above. The CCRIS that you retrieve from BNM will contain a more comprehensive details of your loan facility. It will contain which bank the debts are under and the loan account number.

The one you received online will exclude both those sensitive information. This is in place to secure and protect you from scammer.

Explanation on some terms in the ccris Report

  2. The report is divided into two main areas i.e. the Outstanding Credit, where it displays all your existing credit facilities, and the

    Application For Credit, which shows all the loan application you made in the past 12 months, whether it was Approved, Pending or Rejected by the bank.

  3. STS
  4. Indicates the status of the credit facility. <O> means Oustanding i.e. on-going facility. Other terms include <P> Pending, <A> Approved, <R> Rejected, <S> Settled, <W> Write Off, <C> Rescheduled, <T> Restructured

  6. Indicates the capacity the borrowing you took from the bank i.e. as a <Own> own applicant, <SOLE> sole proprietor, <PARTNER> partnership, <JOINT> joint application.

  8. Indicates the type of institution you borrowed from e.g. <OWN> the same bank where you applied for the new loan, <CB> Other commercial banks, <MB> Merchant banks,<FC> Finance companies, etc.

  10. Indicates the type of facility enjoyed with the various banks. Includes <OVRDRAFT> Overdraft, <HLFNPRSR> Housing Loan, <HRPCSCGD> Hire Purchase for scheduled goods, <LEASING> Leasing facilities, <STLNFNCE> Staff Loans, <OTLNFNCE> Other Loans including personal loans, <CRDTCARD> Credit Cards, etc.

  12. Indicates the outstanding loan amount of other credit facilities at date of new loan application.

  14. The date where information on existing credit facilities is updated to BNM system.

  15. LIMIT (RM)
  16. The original loan amount approved, or if revolving credit facilities (such as credit cards or overdraft), the limit assigned for the credit facility.

  18. Whether the repayment frequency is Monthly <MTH>, Quarterly <QTR>, Annually <ANN>, Revolving <REV>, or other frequencies

  19. COL TYPE
  20. Indicates the collateral type used by the bank to secure your credit facility. Includes <00> Clean facilities (no collateral), <10> Properties, <23> Unit Trusts, <30> Motor Vehicles, <60> Plant and Machineries, <70> Financial Guarantees, etc.

    Most IMPORTANT part of the report, where the track record of conduct for each credit facilities for the past 12 months are indicated (J=January, F=February…. D=December, based on year).
    If it is indicated as “0” under <J> January, it means your instalment for January is up-to-date. If “1”, it means your instalment is 1 month in arrears (overdue) in January, “2” means 2 months instalment overdue in January, “3” means 3 months overdue and considered delinquent, etc.
    If there are too many “2”s and “3”s and/or above, your conduct of credit account may be considered as “poor”, according to each bank’s interpretation.

  21. LGL STS
  22. Indicates the legal action status of your account if it is in default. The bank can know the action taken such as <10> Summon/Writ files, <11> Judgement Order, <12> Bankruptcy, <17> Winding Up order, <18> Auction, <20> Receivership / Section 176, <12> Settled / Discharged, etc.

  24. Indicates the date of latest update on the legal action status. Useful as some status are not updated on time, especially when you have a discharge letter from the lawyers.

Please note that CCRIS is used by the bank as a TOOL for loan decision making as the existing track records indicates the POTENTIAL risks a bank may face in the future if they approve the new application.

CCRIS is NOT THE ONLY tool used by banks to evaluate your credit worthiness, as there are many other risk-mitigation criteria the banks can adopt, such as below:

1.Reduced Margin of Financing

2.Higher Financing Rates

3.Good Potential for Higher Capital Appreciation for the Property

4.Strong Debt Servicing Ratio (Repayment Capability)

5.Additional Collaterals / Guarantee / Joint Applicant

6.Good Conduct of Other Existing Credit Facilities with own bank (e.g. Credit Cards, other loans).


Any questions/inquiries, do drop at bellow comment section 🙂

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