Checking Your CCRIS Report Is Free, Here’s How To Do It Online

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Most adults carry some form of financial commitment, whether it is a personal loan, credit card, hire purchase, or home financing. What many do not realise is that all of this information is recorded in one place, and you are allowed to view it yourself.

In Malaysia, credit records are maintained through the Central Credit Reference Information System (CCRIS). The system is managed by Bank Negara Malaysia and collects data from financial institutions to reflect an individual’s credit position.

What CCRIS Actually Shows

CCRIS is not a credit score. Instead, it is a factual record of your borrowing history. It shows active loans, outstanding balances, repayment patterns, and recent credit applications. Banks use this information to assess risk and determine whether a borrower can reasonably take on more debt.

Because the report is factual rather than judgement-based, checking it regularly helps you understand how lenders see your financial behaviour.

Who Can Register For eCCRIS

CCRIS reports can be accessed online through the eCCRIS portal. Registration is available to individuals who have a Malaysian identity card and a personal online banking account.

Those who do not meet these requirements may still access CCRIS through physical kiosks at selected AKPK offices.

How To Register For eCCRIS Online

To access your CCRIS report online, registration must be done via the official eCCRIS portal.

Step 1: Go to the eCCRIS website

Visit the official eCCRIS page and click Register Now to begin the process.

Step 2: Verify your identity via online banking

You will be informed that a RM1 verification transfer will be made from your personal online banking account. This amount will be refunded within two working days.

Only personal individual bank accounts are accepted. Joint accounts, business accounts, or third-party accounts cannot be used.

Step 3: Fill in your personal details

Enter your full name (as per MyKad), MyKad number, email address, and mobile number accurately. Incorrect details may cause registration to fail.

Registration is only available to individuals with a MyKad and online banking access. Others must register via CCRIS kiosks at AKPK offices.

Step 4: Set login credentials and security details

Create a User ID and password, select a secret image, and set security questions with answers. You will then be prompted to activate Multi-Factor Authentication (MFA) using an authenticator app such as Google Authenticator by scanning a QR code.

Once completed, your eCCRIS account is ready to use.

How To Download Your CCRIS Report How To Open The Downloaded CCRIS Report

The downloaded report is password-protected.

The password format is: [Report download date] + [First three characters of your User ID]

For example, if the report was downloaded on 1 January 2026 and your User ID is abcd1234, the password would be: 01Jan2026Abc

What You Will See In The Report

A CCRIS report generally includes three main sections. The first lists outstanding credit facilities, including personal, joint, and business-related loans. The second highlights accounts that are under special monitoring by financial institutions. The third shows recent credit applications, whether approved or still under review.

Financial institutions may also access CCRIS data for legitimate credit assessments, but individuals are encouraged to review their own records regularly to spot errors or unexpected entries.

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