Malaysia’s Leading Credit Reporting Agency

Empowering Businesses with Better Credit Risk Management

Regulated by Registrar of Credit Reporting Agency, Ministry of Finance

Business – Be Credit Safe

With CTOS Credit Manager

NEW CLIENT
Not all customers are worth doing business with. Check the credit worthiness of new customers before you engage in business with them

NEW CLIENTS

EVALUATE

Business involves risk

Know your customers

Verify and discover

Make informed decisions

Available credit reports and resources

CTOS Report

Suruhanjaya Syarikat Malaysia (SSM) Report

Malaysia Department of Insolvency (MdI) Search

Jabatan Pendaftaran Negara (JPN) Search

International Search

Group Exposure

Detection of linkages between companies, including inter-company interests, shareholders and directorships to provide a true picture of your total exposure.

Internal Lists

Inclusion of your own list of customers and prospects to be monitored.

NEW CLIENTS

EVALUATE

Business involves risk

Know your customers

Verify and discover

Make informed decisions

Available credit reports and resources

CTOS Report

Suruhanjaya Syarikat Malaysia (SSM) Report

Malaysia Department of Insolvency (MdI) Search

Jabatan Pendaftaran Negara (JPN) Search

International Search

Group Exposure

Detection of linkages between companies, including inter-company interests, shareholders and directorships to provide a true picture of your total exposure.

Internal Lists

Inclusion of your own list of customers and prospects to be monitored.

EXISTING CLIENTS
The fortunes of your customers may change. Stay updated on the credit profile changes of your existing customers so that you won't be caught off-guard.

EXISTING CLIENTS

MANAGE

Business conditions Change

Risk profiles can Deteriorate

Stay informed at all times

Protect yourself

Electronic Credit File Management

An easy-access web-based application for searching and an automatic e-filing system for ease of storage and retrieval.

Automatic Credit File Monitoring

An effective monitoring system that covers:

i) Legal cases – informs you of any news or changes in litigation status.
ii) Financial accounts – provides you with updates on your customer’s financial status.
iii) Directorship changes – notifies you of any changes in your customer’s directorship or shareholding.

EXISTING CLIENTS

MONITOR

Business conditions Change

Risk profiles can Deteriorate

Stay informed at all times

Protect yourself

Electronic Credit File Management

An easy-access web-based application for searching and an automatic e-filing system for ease of storage and retrieval.

Automatic Credit File Monitoring

An effective monitoring system that covers:

BILLINGS AND COLLECTIONS
There will always be problematic customers. Leverage the power of the CTOS network to encourage customers to make prompt payment and reduce your likelihood of losses.

GOOD PAYMENT BEHAVIOUR

REINFORCE

Sales without collection is Loss

Recovering debts will help to Reduce loss

Link to business communities

Share your Experience

Trade References

Connects you to other CTOS subscibers who share business and trade information to facilitate commercial linkages.

The exchanges are strictly private, confidential and privileged between the referee and the requestor.

GOOD PAYMENT BEHAVIOUR

REINFORCE

Sales without collection is Loss

Recovering debts will help to Reduce loss

Link to business communities

Share your Experience

Trade References

Connects you to other CTOS subscibers who share business and trade information to facilitate commercial linkages.

The exchanges are strictly private, confidential and privileged between the referee and the requestor.

Business
Be Credit Safe

With CTOS Credit Manager

NEW CLIENT
Not all customers are worth doing business with. Check the credit worthiness of new customers before you engage in business with them

NEW CLIENTS

EVALUATE

Business involves risk

Know your customers

Verify and discover

Make informed decisions

Available credit reports and resources

CTOS Report

Suruhanjaya Syarikat Malaysia (SSM) Report

Malaysia Department of Insolvency (MdI) Search

Jabatan Pendaftaran Negara (JPN) Search

International Search

Group Exposure

Detection of linkages between companies, including inter-company interests, shareholders and directorships to provide a true picture of your total exposure.

Internal Lists

Inclusion of your own list of customers and prospects to be monitored.

EXISTING CLIENTS
The fortunes of your customers may change. Stay updated on the credit profile changes of your existing customers so that you won't be caught off-guard.

EXISTING CLIENTS

MANAGE

Business conditions Change

Risk profiles can Deteriorate

Stay informed at all times

Protect yourself

Electronic Credit File Management

An easy-access web-based application for searching and an automatic e-filing system for ease of storage and retrieval.

Automatic Credit File Monitoring

An effective monitoring system that covers:

BILLINGS AND COLLECTIONS
There will always be problematic customers. Leverage the power of the CTOS network to encourage customers to make prompt payment and reduce your likelihood of losses.

GOOD PAYMENT BEHAVIOUR

REINFORCE

Sales without collection is Loss

Recovering debts will help to Reduce loss

Link to business communities

Share your Experience

Trade References

Connects you to other CTOS subscibers who share business and trade information to facilitate commercial linkages.

The exchanges are strictly private, confidential and privileged between the referee and the requestor.