Note: Exclusive to first-time CTOS Score buyers / non-buyers only. Special campaign starts on: 13/09/2024 to 20/09/2024

Note: Exclusive to first-time CTOS Score buyers / non-buyers only. Special campaign starts on: 13/09/2024 to 20/09/2024

Take your first step toward financial independence! Claim your FREE MyCTOS Score Report today!

Promo Code: Merdeka67

This Merdeka month, we aim to empower you with the right tools and knowledge to make sound financial decisions. By increasing your financial literacy and taking charge of your credit health, you can ultimately achieve your goal of financial independence. That’s why we are offering 67,000 FREE MyCTOS Score Reports to help you take the first step.

More than 4 million Malaysians have already signed up for CTOS Self-Check to better manage their financial health. Don’t wait—start your journey today.

But wait, that’s not all! Stand a chance to win RM500 in Touch ‘n Go eWallet Reload PINs when you redeem the promo code ‘Merdeka67’ from 13/07/2024 to 20/07/2024! Don’t miss your chance to win big for FREE!

How to claim your Free MyCTOS Score Report:

Option 1

Step 1: Click the button below to open the link

Claim My First FREE MyCTOS Score Report

Step 2: Input your IC number in the box

Image 1 Merdeka

Step 3: Insert the promo code "Merdeka67" in the promo code box and click checkout

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Option 2

Step 1: Click the icons below to download the CTOS App

Step 2: Sign up or login the CTOS app

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Step 3: Click get MyCTOS Score report button

Jiwa 1

Step 4: Insert promo code: Merdeka67

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Step 5: Congratulations! Promo code successfully applied!

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Terms and Conditions

  1. Valid from 15th August – 20th September 2024.
  2. Any individual who signs up for a CTOS self-check during the campaign period, or is an existing CTOS subscriber who has not yet obtained their CTOS Score Report, is eligible to receive one (1) FREE MyCTOS Score Report.
  3. Existing CTOS customers who have purchased or claimed their MyCTOS Score Report in the past are not eligible to participate.
  4. CTOS Data Systems Sdn Bhd reserves the right to make changes to the Terms & Conditions at any time without prior notice.

Special Campaign starting 13 Sep – 20 Sep 2024.

  1. This Campaign is open to Malaysian citizens aged 18 and above.
  2. The Campaign period is from 13th September 2024 – 20th September 2024. Only participants who successfully redeemed the promo code Merdeka67 from the CTOS official website, app or via official partners (excluding Touch ‘n Go eWallet) during this Campaign period are eligible.
  3. Prizes: (20)x RM 500 Touch ‘n Go eWallet Reload PIN
  4. The results of the Campaign will be announced on CTOS’s official Facebook page. The Campaign winner will be notified by email.

Click here for full Terms & Conditions

FAQs

  1. What is MyCTOS Score Report?

It is a personal credit report that contains your updated credit score, detailed information about your account histories for credit cards and loans such as payment history including any late payments, your credit limits or loan amounts, your account balances and credit inquiries. Legal cases and bankruptcies are also listed in a separate section of the credit report as well as directorships, business interests and non-bank debts (Trade References).

 

  1. Why should I check my credit report?

Banks and other lenders use this information as part of the credit evaluation process before approving any credit applications like credit cards and loans. Knowing what’s in your credit report will help you identify areas to fix so you can get higher chances of loan approval. The importance of having a good credit report isn’t limited to financial products only. Certain employers may check credit reports as part of the job application process.

 

  1. Can non-Malaysian citizens redeem a free report?

Non-Malaysian citizens who reside in Malaysia and have credit facilities with financial institution in Malaysia are also eligible to participate.