If you want to apply for a bank loan or credit card, the bank will check the applicant’s CCRIS credit record. If your credit history is poor, your application for a loan or credit card is very likely to be rejected.
According to information issued by Bank Negara, individual users can directly register online and use the eCCRIS platform to view their CCRIS credit reports.
To use the eCCRIS platform, you need to register an eCCRIS account first. Individual users can register an account directly online and need to pay a fee of RM1.00 when registering an account. The fee of RM1.00 is to verify the identity of the individual user and will be returned to the user within 2 working days.
Individual users will receive a one-time verification code OTP through their mobile phone, and then they can use the OTP to register an eCCRIS account. After completing the account registration, you can log in to the account and view your eCCRIS report.
Register online for the eCCRIS platform
Step 1: Browse https://eccris.bnm.gov.my/ and click Register Now.
Step 2: Enter the required information such as name, email address, ID number, date of birth, and phone number.
Step 3: Submit after confirming that the information is correct.
Step 4: The page will ask you to pay a fee of RM1.00 to verify your true identity. The RM1.00 fee will be returned to your bank account within 2 working days.
Step 5: You will receive the one-time verification code OTP via SMS and email on your mobile phone.
Step 6: Browse https://eccris.bnm.gov.my/ again and select First Time Login.
Step 7: Enter your ID number and one-time verification code OTP, and click Submit.
Step 8: Then change the password and login information.
Step 9: Browse https://eccris.bnm.gov.my/ and you can use the registered login information to log in to your eCCRIS account.
*If you want to know how to interpret the CCRIS report, you can browse How to read the CCRIS report? .
