Customer Supplementary Information Report – Information on the addresses, telephone numbers, employers names and occupation of the customer for the last 3 years.Motor Vehicle Report – Information of motor vehicles which are used as collateral for credit facilities.
- Detailed Credit Report – Information on the specific outstanding credit facilities and new credit applications of a borrower.
- Summary Credit Report – Information on the total credit exposure and conduct of account of the customer.
- Generally, when a Bank extract CCRIS report, they will have access to various credit reports such as:
- Does not show the conduct of facilities for periods above one year.
- Does not show the tenure of the credit facility enjoyed by you.
- Does not show from which financial institution you borrowed from.
- Does not show your deposit / investment accounts.
- Cannot be viewed by other banks, at any time.
- Can only be obtained by the bank IF a formal CREDIT application is made by you to that particular bank.
- However, before you get worried about your credit information being abused, please note that the information can only be accessed by authorised persons in the bank, and is not available to the public in general.
- Other relevant information such as Date of Information Update, Frequency of Payment and Type of Collateral.
- Conduct of each credit facility for the past 12 months, including legal status.
- Details on the total financial commitment, which includes the balance outstanding and the total limit for each of the credit facilities.
- Details of all existing personal credit facilities of a customer, such as type of facility, and ownership of the credit facilities.
- The report provides for real-time and on-line functions for banks to query for computerised customer credit reports as well as reporting relevant credit information to BNM.ĬCRIS gives valuable details to the bank such as: Beginning August 2001, CCRIS has become a crucial tool to the decision-making of the bank to approve the customer’s application. One of the tools used by banks to evaluate the credit worthiness of a customer is to refer to the CCRIS report obtained (and maintained) by Bank Negara Malaysia (BNM).
Central Credit Reference Information System (CCRIS)