04/05/2026
"๐๐๐ง๐ค๐ฌ ๐๐จ๐ง'๐ญ ๐๐ก๐๐๐ค ๐๐๐๐ ๐๐จ๐ซ ๐ก๐จ๐ฎ๐ฌ๐ข๐ง๐ ๐ฅ๐จ๐๐ง๐ฌ."
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That's a myth โ and believing it can cost you the loan.
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Three things most Malaysians get wrong about credit reports:
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1 โ "Banks only check CCRIS, not CTOS."
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Banks check both.
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CCRIS gives them your last 12 months of bank payment history.
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CTOS adds public records โ bankruptcy, legal action, business records, plus a 300โ850 score.
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2 โ "My CTOS Score is the only score that matters."
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Half true.
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Your CTOS Score is the same number every bank can see.
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But each bank also runs its own internal scoring when you apply, looking at things you don't see โ your salary account behaviour, employment stability, existing relationship with that bank.
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Two banks, same applicant, can produce two different decisions.
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BNM puts it directly: "Different financial institutions have different lending policies depending on their risk appetites."
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3 โ "If my score isn't beautiful, I can't get a housing loan."
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Not always true.
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A weaker score makes it harder. It doesn't make it impossible.
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Things that can help:
โ Joint application with a stronger co-applicant
โ Government schemes (PR1MA, MyDeposit, Skim Rumah Pertamaku)
โ Larger down payment
โ Stable, long-term employment
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Things that block you regardless:
โ Active bankruptcy
โ Recent legal judgments
โ Special Attention Account entries on CCRIS
โ DSR above the bank's cap
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Before you apply anywhere, check your own reports.
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โ CCRIS: free at eccris.bnm.gov.my
โ CTOS Basic Report: free, twice a year via myCTOS
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And don't pay anyone to "clear" your CCRIS. BNM has confirmed it's a scam.
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This is the kind of review we do.
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We're not a bank. We don't sell loans. We sit down with your CCRIS, CTOS, and DSR โ and tell you honestly which bank is most likely to say yes, and what to fix before you apply.
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If you'd like that kind of calm second opinion โ message us through nykadvisory.group.
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Have you ever applied for a loan and been surprised by the result?
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If someone you know is preparing to apply โ send this first.
