Frequently Asked Questions

Credit Reporting Agency (CRA) 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, updated and credible credit information on the individual, companies and businesses, therefore shorten the processing time in making credit decisions and enhancing better access to financing for good credit profile individuals or corporate.
An Act which is enacted by Parliament of Malaysia to provide for the registration and regulation of a Credit Reporting Agency carrying on credit reporting business.
RAMCI self-check portal allows individuals to conduct a self-check to check and confirm that the credit information reported about you is accurate, complete and updated.
Personal Credit Report (PCR) is a report that contains your credit information in your credit file that is used by prospective financial institutions, professional bodies and credit grantors from various industries for credit evaluation or for the purpose of rating or analyzing your credibility and financial standing, in order to grant you credit facilities, supplies or job.
Personal Credit Report (PCR) typically shows your name, NRIC number, address, your business interest, shareholding/ directorship (if any), litigation records (if any), bankruptcy records (if any), Skim Potongan Gaji ANGKASA (SPGA) (if any), Central Credit Reference Information System (CCRIS) and Dishonoured Cheques (DCHEQS) from Bank Negara Malaysia (if any) as well as your banking and non-banking credit payment records (if any). If an organization has made a search, a record will be shown on your credit report, but only the organization concerned knows whether your application was accepted or refused. A credit report will not reveal if you have been accepted or turned down for any credit application. Information which is NOT included in your PCR report is:
  • Deposits or Savings accounts
  • Employment records
  • Marital status
  • Health
  • Criminal records
  • Salary details
  • Religion
Your credit information may be held by Credit Reporting Agencies in Malaysia. RAMCI, a licensed Credit Reporting Agency, collect, process and store credit information obtained from public and private domain, which comprises of companies, businesses and individuals. The credit information will be provided to financial institutions, professional bodies and credit grantors for credit evaluation or for the purpose of credit rating and analyze your credit standing and financial condition, before granting any credit facilities or supplies. Credit Reporting Agencies have the legal right to collect and process any credit information relevant to you i.e. courts case, bankruptcy orders, statutory information, credit payment information and etc. However, your credit information can only be disclosed to any third parties with your consent.
Please write to us, alternatively, you can raise your disputes or update record through our website at Dispute / Update Record. Please provide your complete name, NRIC and contact details in your letter/fax/email. Indicate each of your disputes and state the facts and reasons with copies of documents that support your disputes.

Mailing Address:

17-9 & 19-9, 9th Floor, The Boulevard,
Mid Valley City, Lingkaran Syed Putra,
59200 Kuala Lumpur, Malaysia.
T: +603-2615 1100
F: +603-2284 8808
There are two types of Personal Credit Report (PCR) available in RAMCI:
  1. Personal Credit Report BASIC (PCRB) – You are entitled for ONE (1) FREE PCRB upon signing up and identity verification done. Thereafter, each PCRB requested will be charged at RM5.00 per report.
  2. Personal Credit Report PLUS (PCRP) – RM10.00 per report
A credit score is a numeric representation of your credit worthiness in your credit report, based on available information on your credit files at the time of scoring. It will include highlights of key factors affecting your score, for your onwards improvement. The score helps lenders and credit grantors to predict how likely it is that you will repay a loan and make payments when they are due. Lenders or credit grantors may use credit scores in deciding whether to grant you credit, what terms and interest rate to offer you, and etc.

Information used to calculate your credit score may include:

  • The number and type of accounts you have (credit cards, housing loans, car loans, personal loans, etc.);
  • Whether you pay your loans on time;
  • How much of your available credit you are currently using;
  • The amount of your outstanding debt;
  • Whether you have been actively applying for new credits;
  • Whether you have any legal actions against you;
  • The age of your accounts
Because your credit score reflects the information in your credit report, changes to your credit report may cause your credit score to change. One of the most important things you can do to improve your credit score is pay your loans by the due date. You can set up automatic payments from your bank account to help you pay on time, but be sure you have enough money in your account to avoid overdraft fees. Pay down your outstanding balance on a credit card or mortgage loan, correct an error in your credit report will help to increase your credit score.