When you want to apply for a bank loan or credit card, the bank will always check the CCRIS credit history of the applicant. If the credit history is poor, there is a very high probability that the loan or credit card application will be rejected.
According to information issued by Bank Negara, individual users can go online to register and use the eCCRIS platform to view their CCRIS credit reports.
To use the eCCRIS platform, you need to register for an eCCRIS account. Individual users can register for an account directly online and will be required to pay a fee of RM1.00 which is required to verify the identity of the individual user and will be refunded to the user within 2 working days.
Individual users will receive a one-time verification code OTP on their cell phones, which can then be used to register for an eCCRIS account. After completing the registration in the account, one can log in to the account and view his/her eCCRIS report.
Registering for the eCCRIS platform online
Step 1: Visit https://eccris.bnm.gov.my/ and click Register Now.
Step 2: Enter the required information such as your name, e-mail address, identity card number, date of birth and telephone number.
Step 3: Confirm the information is correct and submit.
Step 4: You will be asked to pay RM1.00 to verify your identity and the RM1.00 will be refunded to your bank account within 2 working days.
Step 5: You will receive a one-time verification code OTP via SMS and email.
Step 6: Visit https://eccris.bnm.gov.my/ again and select First Time Login.
Step 7: Enter your ID number and OTP and click Submit.
Step 8: Then change your password and login details.
Step 9: Browse to https://eccris.bnm.gov.my/ and you will be able to log in to your eCCRIS account using your registered login details.
*To know how to interpret the CCRIS report, you can visit How to Read CCRIS Report?
