What Is CCRIS & Why Is It Important?
CCRIS (Central Credit Reference Information System) is the credit information system of Bank Negara Malaysia which records all your debts, loans and payment history. Banks use CCRIS records to evaluate loan applications.
A bad CCRIS record (late payment, outstanding debt) may cause the bank to reject your application. But TWKembara has its own evaluation — we don't just rely on CCRIS alone.
Types of CCRIS Problems TWKembara Can Consider
Late Payment Record
Late payment history on old loans. We look at the full situation.
High DSR
Debt Service Ratio exceeds bank limit. We make different assessments.
CTOS Blacklist
The name is on the CTOS list. Not necessarily rejected — can ask.
Overdue Credit Card
There is an outstanding credit card balance. We check current payment capabilities.
✅ Important: All cases are assessed individually. WhatsApp us with the details of your situation — we'll tell you honestly whether we can help or not. Free, no commitment.
Frequently Asked Questions — CCRIS & Loans
You can ask us. TWKembara evaluates each case personally. A late payment record does not mean automatic rejection. The important thing is to have a steady income now.
CTOS blacklist is really difficult to get a bank loan. But TWKembara has its own evaluation process. WhatsApp us with details — we'll check and tell honestly.
CCRIS records are usually shown for the last 12 months. After all debts are settled, the record will gradually be clean. But you can still try with us now.
Consistent monthly payments to any licensed lender will be positively recorded in CCRIS. This helps improve your credit score long term.