CTOS is an essential for any loan evaluation besides CCRIS. CTOS is a credit rating agency that is similar with CCRIS except that this database is maintained by a private company CTOS Data Systems Sdn Bhd instead of Bank Negara.
CTOS gets your financial data publicly available sources such as
- Legal information on Newspaper
- Legal system
- SSM data
- Bankruptcy information
- Summon cases
- Government gazettes
Unlike CCRIS which records are kept for 12 months, CTOS data will be keep forever as historical analysis.
You can view your CTOS report online via this link