CTOS is Malaysia’s leading credit reporting agency, established in 1990 and regulated under the Credit Reporting Agencies Act 2010. It helps individuals and businesses understand and manage credit health by providing access to relevant credit information, supporting more informed financial and lending decisions. For consumers, CTOS offers free basic credit reports and paid reports that include a CTOS Score and CCRIS records.

Its services also include credit monitoring, identity and fraud protection, alerts, and tools for exploring credit cards, loans, and loan eligibility. The CTOS mobile app lets users access their credit information while on the go, and the Knowledge Centre provides guidance on credit health, reports, and related questions. For businesses, CTOS provides solutions to assess new clients, verify identities and documents, monitor existing customers, and manage payment and credit risk.

Its offerings include SME scoring, application and decisioning tools, eKYC, business credit reports, and international reporting options. CTOS also provides business loan discovery and data-protection services, serving as a resource for organisations seeking to make more informed credit decisions