The establishment of RAM CREDIT INFORMATION SDN BHD ("RAMCI") is aim to improve on the reliability of the critical information about Malaysian individual as well as the companies and their business affairs to the public. RAMCI recognise the void in the market and the unfulfilled demand for professional, reliable credit information and scores on companies, small and medium enterprises and individuals and therefore the establishment of RAMCI is able to fulfil the demand.


RAMCI, a Credit Reporting Agency, is backed by RAM Holdings Berhad, Malaysia's premier rating agency and DP Information Group, a leading Singapore credit and information bureau, who is the subsidiary of Experian, the global leader in credit solutions and analytics, and a constituent of Britain's FTSE 100 index.


For the past many years, RAMCI operates a credit-information bureau in Malaysia that provides credit information and advanced scores/ratings to business corporations, financial institutions, and legal as well as accounting firms as a basis for credit sales, marketing, financial, purchasing and general management decisions. The objective is to provide comprehensive and credible credit information on the individual, companies and businesses, therefore shorten the processing time in making credit decision and enhancing better access to financing for good credit profile individuals or corporate.