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
  • NRD
  • 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