To login to CCRIS (Central Credit Reference Information System), visit the official eCCRIS portal at https://eccris.bnm.gov.my. Enter your User ID and password to access your credit report. If this is your first-time login, you must complete the registration process. For forgotten User ID or password, use the recovery options on the portal. Ensure you have activated multi-factor authentication (MFA) for security.
The Central Credit Reference Information System (CCRIS) is a centralized credit reporting system managed by Bank Negara Malaysia (BNM). It compiles credit information from various financial institutions, including banks, insurance providers, and government agencies, to provide a comprehensive overview of an individual’s credit history.
Sign In Central Credit Reference Information System (eCCRIS)
What Is CCRIS?
CCRIS is a credit reporting system owned and managed by Bank Negara Malaysia (BNM). It compiles credit data from participating financial institutions and generates credit reports for lenders and borrowers. The system tracks loan repayment history, outstanding debts, and credit applications over the past 12 months. Financial institutions use CCRIS reports to assess creditworthiness, but it is not a blacklist. The CCRIS (Central Credit Reference Information System) report records a borrower’s monthly repayment history for the past 12 months. It includes details of loans from every financial institution in Malaysia.
How to Register for eCCRIS Before First-Time Login?
New users must register before accessing CCRIS online. Malaysian citizens with MyKad and internet banking can register via the eCCRIS portal. Non-citizens or those without internet banking must visit AKPK offices or BNMLINK kiosks. Registration requires a valid MyKad, passport (for non-citizens), and two supporting documents such as utility bills or bank statements. To register eCCRIS, follow these steps:
- Visit the nearest Bank Negara Malaysia (BNM) branch.
- Register at the BNM counter to obtain your 6-digit PIN.
- After that, go to the official eCCRIS website: https://eccris.bnm.gov.my.
- On the homepage, click on the First Time Login link.
- On the next page, enter your personal details:
- Nationality (citizenship)
- ID Number (your NRIC or passport number)
- 6-digit PIN obtained earlier from BNM
- Once completed, click the Submit button.
- Follow the on-screen instructions to finish the eCCRIS registration process.
- When registration is complete, you will be redirected back to the homepage to log in.
- Log in to your account.
- On the main page, click Enquiry to get your CCRIS report through eCCRIS.
What Are the Login Requirements for CCRIS?
You need a registered User ID and password to log in. The system mandates multi-factor authentication (MFA) for security. If logging in from a new device, reactivate MFA via the portal. Ensure your browser supports HTTPS and avoid public networks for security.
How to Reset a Forgotten CCRIS User ID or Password?
If you forget your User ID or password, select the “Forgot User ID or Password” option on the eCCRIS login page. You must verify your identity using registered details. For security reasons, BNM does not disclose User IDs via email or phone.
How to Read CCRIS Report Online?
Once you have registered for CCRIS online, you will have access to view your CCRIS report in eCCRIS. Referring to the report displayed on your screen, here are some tips on how to interpret it and understand your credit score status:
- 0 – No late payments / no arrears
- 1 – Payment delayed for 1 month
- 2 – Payment delayed for 2 months
- 3 – Payment delayed for 3 months
If your report shows 0, 0, 0, 0, 0, it means you have no arrears at all, and this increases your chances of loan approval. However, if there are arrears or late payments recorded, it may make the loan approval process more difficult.
How to Access CCRIS Report Online?
To access your CCRIS report online, you can register for an eCCRIS account through the official portal at eccris.bnm.gov.my. The registration process involves providing your personal information, such as your MyKad number, and completing a one-time RM1 transfer to a designated BNM account via internet banking for identity verification.
This amount will be automatically refunded within two working days. Upon successful verification, you’ll receive a one-time password (OTP) via SMS or email to complete your registration. Once registered, you can log in to your eCCRIS account to view your credit report and monitor your financial health.
What are Included in CCRIS Report?
The CCRIS report includes details such as outstanding loans, repayment history, credit applications, and any special attention accounts, serving as a vital tool for financial institutions to assess the creditworthiness of potential borrowers.
Where Can You Access CCRIS Besides Online Login?
In addition to the eCCRIS portal, reports are available at AKPK branches, BNMLINK kiosks, and approved credit reporting agencies such as CTOS, Experian, and Credit Bureau Malaysia. Offline access requires MyKad verification, and some agencies may charge a fee for extra services.
What Is Multi-Factor Authentication (MFA) for CCRIS?
MFA provides an extra layer of protection for your eCCRIS account. After entering your password, you must confirm the login using your registered mobile device or email. If you lose access to your device, you can reactivate MFA on a new device through the portal.
How Often Is CCRIS Data Updated?
BNM updates CCRIS data monthly, typically on the 10th. For example, if you settle a loan on June 26, the update will reflect by July 10. Late payments are marked as “1” for 30 days overdue, “2” for 60 days, and “3” for 90 days or more. Bankruptcy records may take up to two years to clear after settlement.
What Should You Do If Your CCRIS Login Fails?
If login fails, clear your browser cache or try using a different browser. If problems continue, contact BNMTELELINK at 1-300-88-5465 or [email protected]. Keep in mind that sessions expire after inactivity, so you may need to refresh the page or log in again.
How to Ensure Your CCRIS Report Is Accurate?
It is good practice to review your report monthly to spot any errors. If you notice that a settled loan still appears as overdue, contact your bank to request a correction. Only the financial institution that provided the data can make changes, not BNM directly.
Why Is MFA Mandatory for CCRIS Login?
BNM requires MFA to protect sensitive financial information stored in CCRIS. By enforcing MFA, the risk of unauthorized access and identity theft is reduced. If MFA is disabled or lost, users must reactivate it before logging in again.
Can Non-Malaysians Access CCRIS?
Yes, non-citizens with Malaysian loans can access CCRIS using their passport instead of MyKad. They may need to provide additional documents, such as a work permit or recent bank statements, for verification during registration.
What Happens If Your CCRIS Session Expires?
If you remain inactive, the system automatically logs you out. When a timeout message appears, click “OK” to refresh and log in again. For security reasons, it is always recommended to log out manually after completing your session.
What If I Have a Trouble Registering or Logging In?
If you are unable to register or log in to eCCRIS, you can contact customer service for assistance. Support is available via phone at 1300 88 5465 (local) or +603 2174 1717 (international), and by email at [email protected].
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