Become a contributor to identify good paymasters

What is eTR Plus?

eTR Plus is non-bank monthly payment information on loan facilities, rental, telco and utilities bill payments that are aggregated by the Credit Reporting Agency. It serves as additional information to facilitate more accurate and fair credit decisions by lenders.

eTR Plus provides a balanced representation of an individual’s credit history. This enables fairer credit assessment and prevents users from being penalised for past payment behaviour, especially those who have negative payment history but have begun taking steps to improve their credit behaviour.

View sample here

Benefits to Contributors

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Identify Good Paymasters

Get access to positive payment information to identify good customers
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Increase Approval Rates

Expedite onboarding of good paymasters as customers
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Encourage Prompt Payments

Customers are more likely to pay on time if their payment trend is reported
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Decrease Default Rates

Get a holistic view of customer payment behaviour to reduce the risk of delayed payments
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Promote Financial Inclusion

Helps new-to-bank-customers build credit track record

Benefits to Customers

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Improved Customer Recognition

Uses positive payment history to showcase customer reliability
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Receive Swift Approvals

Accelerates access to credit offers through positive financial data
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Promotes Financial Discipline

Encourages prompt payments to support healthy credit scores
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Build Confidence

Allows creditors to evaluate customer credibility based on a fair credit assessment
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Improve Financial Presence

Build stronger credit visibility through non-traditional financial record

It’s easy to contribute – all it takes is 3 simple steps:

1
Extract aging information
from your account system
2
Log on to Credit Manager
and navigate to eTR Plus tab
3
Upload aging information monthly

Start contributing now

To start contributing, send an email to etrplus@ctos.com.my.
Alternatively, complete the interest form below and we’ll be in touch shortly.

Note: A minimum number of record submissions will be required depending on the size of your business.