CCRIS Login (eccris.bnm.gov.my) 2025

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 (CCRIS)

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.

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.

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 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.

What Is Multi-Factor Authentication (MFA) for CCRIS?

MFA adds an extra security layer to your eCCRIS account. After entering your password, you must verify login attempts via a registered mobile device or email. If you lose access to your MFA device, use the “Reactivate MFA in New Device” option on the portal.

CCRIS reports are available at AKPK branches, BNMLINK kiosks, and approved credit reporting agencies (CTOS, Experian, Credit Bureau Malaysia). Offline access requires MyKad verification. Credit agencies may charge a fee for additional services.

How Often Is CCRIS Data Updated?

BNM updates CCRIS records monthly on the 10th. If you settle a loan on June 26, the update reflects by July 10. Late payments appear as “1” (30 days overdue), “2” (60 days), or “3” (90+ days). Bankruptcy records take up to two years to clear after settlement.

Clear your browser cache or try a different browser if login fails. If the issue persists, contact BNMTELELINK at 1-300-88-5465 or [email protected]. Session timeouts occur after inactivity—refresh the page or log in again.

How to Ensure Your CCRIS Report Is Accurate?

Review your report monthly for discrepancies. If a paid loan still appears overdue, contact the reporting bank to request an update. Errors must be corrected by the financial institution, not BNM.

What Are Common Misconceptions About CCRIS?

CCRIS does not blacklist borrowers—it only provides factual credit data. Some believe CCRIS includes all debts, but it only covers loans from participating institutions. Private lenders like cooperatives may not report to CCRIS.

BNM enforces MFA to prevent unauthorized access. Since CCRIS contains sensitive financial data, MFA reduces identity theft risks. Users who disable MFA may lose account access until reactivation.

Can Non-Malaysians Access CCRIS?

Non-citizens with Malaysian loans can access CCRIS using passports instead of MyKad. Registration requires additional documentation, such as work permits or bank statements.

What Happens If Your CCRIS Session Expires?

The system logs you out automatically after inactivity. Click “OK” on the timeout message to refresh the page. For security, always log out manually after accessing your report.

BNMTELELINK provides assistance via phone (1-300-88-5465) or email ([email protected]). Operating hours are 9 AM–5 PM, Monday–Friday, excluding public holidays.

Use updated browsers like Chrome, Firefox, or Edge. Disable pop-up blockers and enable JavaScript. Mobile access is supported, but desktop is recommended for full functionality.

How Long Does a Negative CCRIS Record Stay Visible?

Late payments appear for 12 months, while bankruptcy records persist for two years post-settlement. Consistent on-time payments improve your credit profile over time.

Is There a Fee for CCRIS Reports?

BNM provides free reports via eCCRIS. Third-party agencies like CTOS may charge for additional insights. Always verify report sources to avoid scams.

BNM uses encryption and session timeouts to protect data. Never share your User ID, password, or MFA codes. Report suspicious activity to BNMTELELINK immediately.

How to Check If Your Bank Reports to CCRIS?

Participating institutions include major banks, credit card issuers, and licensed lenders. If a loan does not appear in CCRIS, confirm with the lender whether they report to BNM.

What Should You Do Before Applying for a Loan?

Review your CCRIS report to identify red flags like late payments. Settle overdue amounts before applying—lenders reject applications with “3” (90+ days overdue) statuses.

Can You Authorize Someone Else to Access Your CCRIS?

Only court-appointed representatives can access reports for deceased borrowers. Companies must authorize designated officers via formal requests to BNM.

How Does CCRIS Differ from CTOS?

CCRIS is managed by BNM, while CTOS is a private credit bureau. CTOS includes additional data like utility bills and legal records, whereas CCRIS focuses on bank-reported loans.

What Are the Consequences of Ignoring CCRIS Updates?

Unresolved late payments lead to loan rejections and higher interest rates. Proactive monitoring helps maintain creditworthiness for future financing needs.

How to Resolve Discrepancies in Your CCRIS Report?

Contact the reporting bank with proof of payment. Banks must submit corrections to BNM, which reflect in the next monthly update.

What Are the Operating Hours for eCCRIS Support?

BNMTELELINK operates weekdays from 9 AM to 5 PM, excluding public holidays. For urgent issues outside these hours, email [email protected] for a delayed response.

How to Prepare for First-Time eCCRIS Registration?

Gather your MyKad, proof of address, and bank statements. Ensure your internet banking is active for identity verification. Registration takes under 10 minutes if documents are ready.

Why Does CCRIS Show Old Loans?

Closed loans disappear after 12 months, but active loans remain visible. If a settled loan still appears, request the bank to update its status in CCRIS.

Can You Access CCRIS via Mobile App?

BNM does not offer a dedicated app, but the eCCRIS portal is mobile-friendly. Use a secure connection to prevent data interception.

What Are the Penalties for Misusing CCRIS Data?

Unauthorized access or fraud violates BNM’s Security Policy, leading to legal action. Financial institutions face fines for reporting inaccurate data.

How to Update Personal Details in CCRIS?

Changes must be reported to your bank, not BNM. Updates reflect after the next reporting cycle (10th of the month).

What If Your Bank Fails to Update CCRIS Records?

Escalate to BNM’s consumer department if the bank does not rectify errors. Provide evidence like payment receipts for faster resolution.

Only use the official eCCRIS portal. Ignore emails or links claiming urgent action—BNM never requests login details via email.

What Are the Key Features of the eCCRIS Portal?

Users can download reports, activate MFA, and reactivate accounts. The portal supports English and Bahasa Malaysia for accessibility.

How Long Does CCRIS Keep Credit Application Records?

Approved or pending applications appear for 12 months. Rejected applications drop off unless reapplied within the same period.

Use strong passwords, enable MFA, and avoid public Wi-Fi. Log out after each session and monitor account activity for unauthorized access.

How to Verify If Your MFA Is Active?

Check security settings in your eCCRIS account. If MFA is inactive, the system prompts activation upon login.

What Are the Common CCRIS Report Codes?

“0” indicates no arrears, while “1”, “2”, or “3” show late payments. Special Attention Account (SAA) marks written-off debts.

How to Handle a Locked eCCRIS Account?

Repeated login failures trigger temporary locks. Wait 30 minutes or contact support for unlocking. Avoid guesswork to prevent further restrictions.

Visit AKPK offices or BNMLINK kiosks for offline reports. Approved credit bureaus offer paid alternatives with additional insights.

Keep login details secure, update contact information, and clear browser cookies regularly. Report technical issues promptly for resolution.

What Are the Legal Rights Regarding CCRIS Data?

You can dispute inaccuracies under BNM’s Privacy Policy. Financial institutions must correct errors within 30 days of verification.

How Does CCRIS Impact Loan Approvals?

Lenders prioritize applicants with “0” repayment records. Multiple late payments reduce approval chances or increase interest rates.

Download your report, review repayment statuses, and address discrepancies. Use the data to improve creditworthiness before applying for loans.

How to Check If MFA Is Enabled for CCRIS?

The portal displays MFA status under account settings. If disabled, follow on-screen prompts to reactivate it for security.

What Are the Risks of Ignoring CCRIS Alerts?

Unresolved arrears lead to legal actions or bankruptcy. Regular monitoring helps avoid long-term credit damage.

How to Contact BNM for CCRIS Disputes?

Submit a formal complaint via BNMTELELINK with supporting documents. BNM investigates and coordinates corrections with banks.

What Are the Benefits of Regular CCRIS Checks?

Early detection of errors prevents loan rejections. A clean report ensures better financing terms and faster approvals.

Download the PDF and submit it during applications. Some lenders retrieve reports directly with your consent via credit bureaus.

What If You Spot Unauthorized Loans in CCRIS?

Report immediately to BNM and the involved bank. Unrecognized loans may indicate identity theft or clerical errors.

How to Maintain a Good CCRIS Record?

Pay loans on time, avoid excessive credit applications, and monitor reports monthly. Financial discipline ensures long-term credit health.