Take charge of your credit health.
Your CTOS Score is the number banks check before they approve you. Get your full CTOS Credit Report, CTOS Score, CCRIS and every record lenders see, and know where you stand before you apply.
The full picture lenders use.
Your CTOS Score is a 3-digit number (300–850) that shows your creditworthiness. The higher it is, the better your chances of securing a loan.
Whatever you're planning, your Credit Report comes first.
Buy your first home
A stronger score can mean a better mortgage rate.
Own your dream car
Walk into the showroom knowing where you stand.
Plan for the family
Budget the big milestones with real confidence.
Be ready for anything
Access emergency funds faster when it counts.
What shapes your CTOS Score.
Paying bills and loan instalments on time, every time.
How much of your available credit you're currently using.
How long you've held credit accounts open and active.
The variety of credit you manage — cards, loans and more.
How often you apply for or open new credit accounts.
Weightings are indicative, shown to illustrate relative impact.
What does your score really mean?
Drag the marker — or tap a band — to see how each level shapes your approvals, interest rates and options.
The national average sits at 622 - in the Low band. See what climbing higher unlocks.
The top tier of creditworthiness — lenders compete for you.
*Based on the CTOS Score Band vs Loan Approval Rates study. A higher CTOS Score may strengthen your position, but every credit decision rests with the lending institution. CTOS does not make lending decisions.
See where the nation stands — and where you fit in.
National average
Men vs Women
Score by age
Score by age
Source: CTOS Malaysia Credit Industry Insights Report 2026 · based on credit-active individuals.
Tap a region to see its average score.
Every region sits somewhere on the national scale — see where yours lands.
Tap any region on the map to see its average CTOS Score.
Source: CTOS Malaysia Credit Industry Insights Report 2026 · based on credit-active individuals.
Your complete credit picture, today.
CTOS Credit Report
Full credit report with CCRIS & your CTOS Score.
One-time · inclusive of SST
- Your CTOS Score
- CCRIS records (BNM)
- Dishonoured cheque records (BNM)
- Access to rewards
- Everything in the Basic Report
Not ready to buy? Get a free Basic Report (without CCRIS & Score)
*Free Basic Report is available upon first-time sign-up.
Your CTOS Credit Report, in your pocket.
The all-new CTOS Digital brings your full CTOS Credit Report and more together in one redesigned app.
- Compare Your Score
- Score Tracker
- Digital Report
- SecureID
- Biz Reports
- Credit Finder
Before you check.
No. Checking your own CTOS Credit Report has no effect on your CTOS Score. Only applications you make with lenders are recorded — reviewing your own report is simply staying informed.
Your CCRIS information updates with Bank Negara by the 10th of every month, so your score and report can change month to month. If your last check was a while ago, it's likely already out of date.
Yes. Established in 1990, CTOS is Malaysia's No. 1 Credit Reporting Agency, operating under the Credit Reporting Agencies Act 2010 with bank-grade security. Your report is only ever accessible to you.
That's Malaysia's average CTOS Score. Where do you stand?
Find out in minutes. Get your complete CTOS Credit Report and take charge of your credit health.
Get CTOS Credit ReportA higher CTOS Score may strengthen your position, but every credit decision — including interest rates and loan terms — rests with the lending institution. CTOS does not make lending decisions.
Still deciding? Your full CTOS Credit Report is just RM27.90 - see exactly where you stand in minutes.
Get my reportAverage score by age
- 18–24 602
- 25–29 612
- 30–34 612
- 35–39 612
- 40–44 617
- 45–49 625
- 50–54 643
- 55–59 665
- 60–64 686
- 65–69 705