Malaysia’s Leading Credit Reporting Agency

Empowering Businesses with Better Credit Risk Management

Regulated by Registrar of Credit Reporting Agency, Ministry of Finance

CTOS Credit Manager is a web-based application that harnesses the power of a dynamic platform to search, store, monitor and manage all your customer information to reduce business credit risk. As CTOS’s flagship business offering, this powerful solution is continuously improved and enhanced to ensure our customers have the best tool on hand to run their businesses smoothly.

Introducing the new CTOS Credit Manager Xpress – the perfect tool for busy business professionals who are always on the move. It’s amazing convenience at your fingertips. It’s built with mobile-first design technology to help you perform core functions with ease. CM Xpress is a value-added FREE feature for all Credit Manager subscribers. Switch seamlessly between both versions (existing and Xpress) according to your needs.

Use CTOS Credit Manager to help manage and reduce credit risk in 3 simple steps: -


New & Existing Clients

  • Get a CTOS report to help you evaluate your prospects or potential customers
  • Most comprehensive report
  • 23 Million Individuals & companies database
  • Perform pre-credit screening and due diligence check to assess the risk of new or existing customers and suppliers.
  • Check information related to: –
    – company profile/ SSM information (ROC/ ROB)
    – financials
    – banking payment history (CCRIS)
    – legal case/ litigation
    – bankruptcy, trade references
  • Other services, e.g. International and Singapore search, land title search, etc.

Existing Clients

  • Monitor your credit files to get notified if there are changes in your customers’ credit profiles
  • Most effective monitoring
  • >100K hit alerts recorded monthly
  • Stay informed on changes to your customers’ business conditions.
  • Get automatic updates when a change happens on: –
    – financial
    – directorship/ ownership
    – business interest
    – legal case
    – trade reference

Good Payment Behaviour

  • Submit your debtor info in CTOS eTR* to help you recover bad debts
  • *eTR = electronic Trade References
  • RM1 Billion debts recovered in a year
  • CTOS eTR is a neutral collaborative platform for subscribers to share their customers non-banking payment information, positive or negative, for debt recovery.
  • Help to reinforce good payment behaviour by encouraging individuals to settle outstanding amounts via CTOS electronic Trade Reference (eTR).

Trial – 60

  • Free 60-day access to Credit Manager Xpress
  • Free 3 CTOS Lite Reports, which includes
    – Company profile
    – Company shareholders
    – Company board of directors
    Date of incorporation
    Summarized financial information
  • Free 5 Credit Files
    – Use Credit Files to have a holistic view of your customers’ credit information for convenient access, including company profile, directorship, financial summary, etc.
    – Access to related report listing, monitoring service, Electronic Trade Reference (eTR) submission (for Enterprise version only)


  • Full access to Credit Manager
  • Unlimited access to various credit reports
    – such as CTOS Lite Report, CTOS Report, CTOS SME Score Report, International Business Report, SSM, MDI (Bankruptcy), Land Title, KYC Screening and E-Court (Litigation Reports). 
  • Unlimited access to monitoring functions
    – Get automatic notification on your customers’ changes such as bankruptcy, litigation, directorship, financial status, winding up proceedings and electronic Trade Reference. 
  • Access to CTOS Electronic Trade Reference (eTR) platform for debt recovery

MyCTOS Basic Report

Basic Credit Report
(Without CCRIS & Score)

  • Personal Information (NRD)
  • Directorship & Business Interest (SSM)
  • Litigation & Bankruptcy
  • Trade Referee Listings (eTR)
  • 2 Free MyCTOS Basic Reports a year

Manage Your Business Credit Risk

Your Key Benefits