When you want to apply for a bank loan or credit card, the bank will check the CCRIS credit history of the applicant. If the credit history is not good, there is a very high chance that the loan or credit card application will be rejected.
According to the information issued by Bank Negara, individual users can register directly online 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 their accounts directly online and are required to pay a fee of RM1.00 when registering their accounts. RM1.00 is required to verify the identity of the individual user and will be refunded to the user within 2 business days.
Individual users will receive a one-time verification code (OTP) via their cell phones, which they can then use to register for an eCCRIS account. After completing the registration at the account, you can log in and view your eCCRIS report.
Note! Non-personal users need to register for an eCCRIS account via https://telelink.bnm.gov.my/.
Go online to register for the eCCRIS platform
Step 1: Browse to 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: Make sure your information is correct and submit.
Step 4: The page will ask you to pay RM1.00 to verify your identity.
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 One Time Verification Code OTP and click Submit.
Step 8: Then change your password and login information.
Step 9: Visit https://eccris.bnm.gov.my/ and you will be able to use the registered login information to log in to your eCCRIS account.
*To know how to interpret the CCRIS report, you can visit How to Read CCRIS Report
