BNM: eCCRIS is not a blacklist on debtors

March 14, 2018 | By | Reply More

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KUALA LUMPUR: Bank Negara Malaysia (BNM)’s new online credit report platform eCCRIS is not a blacklist but a summary of an individual’s financial health status.

BNM’s electronic Central Credit Reference Information System (eCCRIS) help Malaysians keep abreast of their borrowings and therefore, better manage their debts.

“It is not a blacklist. The eCCRIS is set up by the central bank to help the public track their loan status and repayment details,” said BNM financial surveillance department director Qaiser Iskandar Anwarudin.

He explained a person’s credit portfolio would include the spread of borrowings such as home loan, car loan, student loan, credit card and personal loan.

“The eCCRIS service, which is provided free of charge, allows the public to access online their financing and repayment history over the last 12 months,” he told reporter in a briefing here today.

He highlighted the eCCRIS information is updated every month.

Should users of the eCCRIS suspect fraudulent loans undertaken in their names or see outdated information, they can lodge data verification requests to the relevant bank or insurance companies.

Qaiser explained the public can walk in to any BNM office or Agensi Kaunseling dan Pengurusan Kredit (AKPK) branch nationwide to perform a one-time registration.

At the CCRIS kiosk, individuals will need to verify their identity using MyKad, and register a valid mobile phone number.

For businesses, an authorisation letter and company registration certificates are required for an authorised person to register on behalf of the company.

A 6-digit PIN is sent to the registered mobile phone number.

Users are then required to key in their MyKad number and 6-digit PIN for first-time login at

They will set preferred user identification and password, select personal security image and phrase, and set three security questions and answers.

Arlina Ariff who is director of LINK and BNM Offices, said as of yesterday, 45,350 Malaysians had registered as eCCRIS users nationwide.

“The feedback we received from public, so far, has been positive,” she said.

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