Know Your Financial Health
Take control of your credit score and increase your chances of getting a loan.
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Limited Time Offer
- Earn 3,500 MX Points once you complete reward requirements: Successful Application, Spend, and Balance Transfer.
- Referral Bonus: Earn up to 3,000 MX Points when your friend applies and succeeds!
What is a CTOS Score?
The CTOS Score is a 3-digit number that represents your creditworthiness. It evaluates an individual's credit history and capability to repay financial obligations. The higher the score, the better your chances of securing a loan.
What influences your CTOS Score?
- Payment History (45%): This is the core of your score, indicating your reliability in repaying debts.
- Amounts Owed (20%): This represents your credit utilisation. High balances relative to your credit limits can lower your score.
- Length of Credit History (7%): A longer history provides more data for lenders, typically benefiting your score.
- Credit Mix (14%): A variety of credit types shows you can manage multiple forms of debt.
- New Credit (14%): Opening several new accounts in a short period may signal financial strain, affecting your score negatively.
Why choose CTOS?
- Increase your chance of getting a loan
- Monitor the status of your credit health
- Detect identity theft and fraud
Get your CTOS Score report with Malaysia's leading Credit Reporting Agency
Regulated by the Registrar of Credit Reporting Agencies