Credit Tip-Off Service (CTOS) and Central Credit Reference Information System ( CCRIS ) are two different things. Not everyone has heard of CTOS and CCRIS let alone know the differences between the two. Although often associated, CTOS and CCRIS are two different terms. The two credit reports they issue are very important if an individual wants to delve into matters relating to his financial management.
CTOS and CCRIS are usually related to loans. If someone makes an application either to make a credit card or make a bank loan, the application will go through a credit approval process. After that, the bank will decide whether to approve or reject the application.
CCRIS and CTOS reports will be used in the process. The bank will have no problem granting an application if the report shows a positive credit status. However, the probability for the bank to reject the application is high if an individual often fails to pay off debts within the stipulated timeframe.
Before determining whether the application passes or not, the bank will also look at the credit report to determine the debt service ratio of an individual. Because banks bear the risk when granting an application, CCRIS and CTOS are tools to reduce this risk. There are many differences between CCRIS and CTOS.
What Are CTOS And CCRIS And Their Differences?
The following is shared information regarding the differences between CTOS and CCRIS including the definitions of CTOS and CCRIS as well as other details for all reference:
Definition Of CTOS And CCRIS
- CTOS or Credit Tip-Off Service adalah sebuah syarikat swasta yang menyediakan laporan kredit yang banyak digunakan secara meluas oleh institut-institut kewangan. Ia bertujuan untuk menentukan kelayakan kredit pemohon, selain daripada menggunakan laporan CCRIS. Kebiasaannya, institut kewangan akan menggunakan lebih daripada satu laporan kredit untuk mendapatkan gambaran sebenar status kredit pemohon.
- CCRIS atau Central Credit Reference Information System menyediakan laporan kredit dan diuruskan oleh Biro Kredit Bank Negara Malaysia (BNM). CCRIS mengumpul maklumat kredit dari pengendali servis kewangan di Malaysia. Antaranya adalah bank, broker insurans, serta syarikat swasta yang menyediakan servis utiliti. Antara maklumat yang akan terpapar dalam laporan kredit CCRIS ialah pinjaman tertunggak, saman, dan status muflis.
Perbezaan Antara CTOS Dan CCRIS
CTOS | CCRIS |
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Persamaan antara CTOS dan CCRIS
- Kedua-duanya adalah laporan kredit
- CCRIS dan CTOS tidak akan senarai hitam (blacklist) individu
Maklumat Dan Soalan Lanjut
Untuk maklumat lebih lanjut mengenai CTOS dan CCRIS, sila lihat FAQ yang disediakan atau hubungi:
- eCCRIS BNMTELELINK: 1-300-88-5465
- CTOS : 03- 27228833 | 03- 27228882
- CCRIS Official Website: http://creditbureau.bnm.gov.my/
- CTOS Official Webpage at URL https://www.ctoscredit.com.my/