Know Your Financial Health

      Know Your Financial Health

      Take control of your credit score and increase your chances of getting a loan.

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      What is a CTOS Score?

      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?

      What is a 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
        Increase your chance of getting a loan
      • Monitor the status of your credit health
        Monitor the status of your credit health
      • Detect identity theft and fraud
        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