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RAM Credit Information Sdn Bhd (532271-T)
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
E: info[@]mycreditinfo.com.my
W: www.mycreditinfo.com.my

Working Hours:
Mondays to Fridays, 8.30am to 5.30pm

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Copyright © 2019 My Credit Info by RAM Credit Information Sdn Bhd. All Rights Reserved.
Summary of Rights | Self-Check Terms & Conditions
Statutory Notification | Summary of Rights
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  • English
  • Bahasa Malaysia

Statutory Notification: Processing Your Credit Information

Section 23 of the Credit Reporting Agency Act 2010 requires RAMCI to notify me that credit information relating to me will be collated and processed by RAMCI, including my identity and address (if any), business directorship and shareholdings (if any), litigation information such as bankruptcy or legal suits (if any), credit payment information from trade credit grantors (if any), information captured from statutory bodies, public domains and Subscribers of RAMCI, Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA) and Central Credit Reference Information System (CCRIS) and Dishonoured Cheques (DCHEQS) from Bank Negara Malaysia. The credit information referred to may be found in my Personal RAMCI Report. It is important that for me to ensure my credit information is accurate, up-to-date, complete, relevant and not misleading I am to perform my Personal RAMCI check from time to time thus ensuring my credit report is accurate, complete and up-to-date. By ensuring my credit report is accurate, complete and up-to-date, I can speed up the decision making process and avoid delays in the processing of credit or job applications with banks or businesses.


Purpose Of Information Collation

I understand that RAMCI's subscribers may need my report when I,my business or company deal or transact with other companies / businesses, professional bodies or financial institutions. They may require my report for various purposes including, opening of account, extension of credit or loans, review of credit lines extended or review of account relationship which may be done from time to time, hire-purchase/leasing/rental contracts, property or equipment purchases, factoring, insurance, provision of services, job employment, legal documentation etc. amongst others. RAMCI's subscribers include businesses and companies, government and statutory bodies, clubs, cooperatives, commercial banks, investment banks, insurance companies, development banks, cooperative banks, stock brokers, payment systems issuers, licensed moneylenders, landlords, trading and commercial companies, employment agencies, professionals e.g. lawyers, accountants, property valuers etc. amongst others.


Important Notice

I also understand that in the event of ambiguities, conflicts or possible variations in interpretation between the English version and other languages of this document, agreement, website or brochure, etc. The English version shall always prevail.


Consumer Support Division
RAM Credit Information Sdn Bhd (532271-T)
17-9 & 19-9, 9th Floor, The Boulevard,
Mid Valley City, Lingkaran Syed Putra,
59200 Kuala Lumpur.
Tel: +603-2615 1100
Fax: +603-2284 8808
Email: info[@]mycreditinfo.com.my
Website: www.mycreditinfo.com.my

Operation Hours:
Monday to Friday (except Saturday, Sunday & Public Holidays)
8.30 am - 5.30 pm

Pemberitahuan berkanun: Memproses Maklumat Kredit Anda

Seksyen 23 Akta Agensi Pelaporan Kredit 2010 memerlukan RAMCI untuk memberitahu saya bahawa maklumat kredit saya akan dikumpulkan dan diproses oleh RAMCI, termasuk pengenalan dan alamat (sekiranya ada) saya, sebagai pengarah perniagaan dan pegangan saham (jika ada), maklumat tindakan undang-undang seperti muflis atau undang-undang guaman (jika ada), maklumat pembayaran kredit daripada pemberi kredit perdagangan (jika ada), maklumat yang diperoleh daripada badan-badan berkanun, domain awam dan pelanggan RAMCI, dan Permohonan Laporan Kredit (CCRIS) dan Sistem Maklumat Cek Tendang (DCHEQS) daripada Bank Negara Malaysia. Maklumat kredit yang disebut boleh didapati dalam Laporan Peribadi RAMCI saya. Adalah penting bagi saya untuk memastikan maklumat kredit saya adalah tepat, terkini, lengkap, relevan dan tidak mengelirukan untuk melakukan pemeriksaan Laporan Peribadi RAMCI saya dari masa ke semasa dengan itu memastikan laporan kredit adalah tepat, lengkap dan terkini. Dengan memastikan laporan kredit adalah tepat, lengkap dan terkini, saya boleh mempercepatkan proses membuat keputusan dan mengelakkan kelewatan dalam pemprosesan kredit atau permohonan kerja dengan bank atau perniagaan.


Tujuan Pengumpulan Maklumat

Saya faham bahawa pelanggan RAMCI mungkin memerlukan laporan saya apabila saya, perniagaan saya atau perjanjian syarikat atau menjalankan urusan dengan syarikat-syarikat lain / perniagaan, badan-badan profesional atau institusi kewangan. Mereka mungkin memerlukan laporan saya untuk pelbagai tujuan termasuk, membuka akaun, pemberian kredit atau pinjaman, semakan kredit lanjutan atau kajian semula akaun yang boleh dilakukan dari semasa ke semasa, kontrak hire-purchase/leasing/rental, harta atau pembelian peralatan, pemfaktoran, insurans, perkhidmatan, pekerjaan kerja, dokumentasi undang-undang dan lain-lain di kalangan orang lain. Pelanggan kami termasuk perniagaan dan syarikat-syarikat, kerajaan dan badan-badan berkanun, kelab, koperasi, bank perdagangan, bank pelaburan, syarikat insurans, bank pembangunan, bank koperasi, broker saham, penerbit sistem pembayaran, peminjam wang berlesen, tuan-tuan tanah, perdagangan dan syarikat-syarikat komersial, agensi pekerjaan, profesional contohnya peguam, akauntan, penilai hartanah dan lain-lain di kalangan orang lain.


Notis Penting

Saya fahamkan Versi Bahasa Inggeris akan digunakan sekiranya menghadapi sebarang kekeliruan, konflik atau kemungkinan variasi antara Bahasa Inggeris dengan bahasa-bahasa lain pada masa menafsirkan dokumen ini atau contract, laman web, risalah dan sebagainya.


Bahangian Sokong Pengguna
RAM Credit Information Sdn Bhd (532271-T)
17-9 & 19-9, 9th Floor, The Boulevard,
Mid Valley City, Lingkaran Syed Putra,
59200 Kuala Lumpur.
Tel: +603-2615 1100
Fax: +603-2284 8808
Email: info[@]mycreditinfo.com.my
Website: www.mycreditinfo.com.my

Waktu Operasi:
Isnin hingga Jumaat (Kecuali Cuti Awam)
8.30 pagi - 5.30 petang

  • English
  • Bahasa Malaysia

Self-Check Terms & Conditions

I, hereby acknowledge that I have read, fully understand, and agree to the following terms and conditions and statutory notification.

RAM Credit Information Sdn Bhd (RAMCI) Personal Credit Report (PCR) displays information which may be provided to subscribers of RAMCI requesting for my credit report. If I find errors in any part of my credit report, i.e. not-up-to-date, incomplete, inaccurate or misleading, I may dispute the information and request the information be corrected, I shall contact RAMCI Consumer Support Division at 03-2615 1100 or email to info[@]mycreditinfo.com.my or visit and supply RAMCI with necessary documents to support my claim.

I hereby consent to RAMCI communicating with me by any means but not limited to as such as biometric verification, SMS, mobile applications, online registration via consumer website www.mycreditinfo.com.my, application form or a consent authorization form to retrieve my credit information from RAMCI, Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA) and Central Credit Reference Information System (CCRIS) and Dishonoured Cheques (DCHEQS) from Bank Negara Malaysia.

RAMCI reserves the right to amend any of its terms and conditions, policies, pricing, payment policies, collection policies, and all other items relative to RAMCI's business and offering of the credit report at any time in its sole discretion

Services and Fees

All services rendered by RAMCI are provided on a non-refundable basis. This includes but not limited to inability to verify your identity. In addition, if your account is cancelled by RAMCI for violation of this terms and conditions, all payments made to RAMCI become completely non-refundable.

RAMCI shall not provide refund should you are:

  • Unable to provide supporting documents include but not limited to MyKad; and/or
  • Supporting documents are invalid.

Prior to void and null of your services, RAMCI shall contact and/or send emails reminders to you. Failure to respond to the requirements within the stipulated timeline will render your account deemed as void.

Statutory Notification: Processing Your Credit Information

Section 23 of the Credit Reporting Agency Act 2010 requires RAMCI to notify me that credit information relating to me will be collated and processed by RAMCI, including my identity and address (if any), business directorship and shareholdings (if any), litigation information such as bankruptcy or legal suits (if any), credit payment information from trade credit grantors (if any), information captured from statutory bodies, public domains and Subscribers of RAMCI, Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA) and Central Credit Reference Information System (CCRIS) and Dishonoured Cheques (DCHEQS) from Bank Negara Malaysia. The credit information referred to may be found in my Personal RAMCI Report. It is important that for me to ensure my credit information is accurate, up-to-date, complete, relevant and not misleading I am to perform my Personal RAMCI check from time to time thus ensuring my credit report is accurate, complete and up-to-date. By ensuring my credit report is accurate, complete and up-to-date, I can speed up the decision making process and avoid delays in the processing of credit or job applications with banks or businesses

Purpose of Information Collation

I understand that RAMCI's subscribers may need my report when I, my business or company deal or transact with other companies / businesses, professional bodies or financial institutions. They may require my report for various purposes including, opening of account, extension of credit or loans, review of credit lines extended or review of account relationship which may be done from time to time, hire-purchase/leasing/rental contracts, property or equipment purchases, factoring, insurance, provision of services, job employment, legal documentation etc. amongst others. RAMCI’s subscribers include businesses and companies, government and statutory bodies, clubs, cooperatives, commercial banks, investment banks, insurance companies, development banks, cooperative banks, stock brokers, payment systems issuers, licensed moneylenders, landlords, trading and commercial companies, employment agencies, professionals e.g. lawyers, accountants, property valuers etc. amongst others.

Important notice

I also understand that in the event of ambiguities, conflicts or possible variations in interpretation between the English version and other languages of this document, agreement, website or brochure, etc. The English version shall always prevail.


Consumer Support Division
RAM Credit Information Sdn Bhd (532271-T)
17-9 & 19-9, 9th Floor, The Boulevard,
Mid Valley City, Lingkaran Syed Putra,
59200 Kuala Lumpur.
Tel: +603-2615 1100
Fax: +603-2284 8808
Email: info[@]mycreditinfo.com.my
Website: www.mycreditinfo.com.my

Operation Hours:
Monday to Friday (except Saturday, Sunday & Public Holidays)
8.30 am - 5.30 pm

Updated @ 16/05/2017

Saya mengakui bahawa saya telah membaca, memahami sepenuhnya, dan setuju terma dengan terma dan syarat, dan notis berkanun seperti berikut.

Laporan Kredit Peribadi (PCR) RAM Credit Information Sdn Bhd (RAMCI) ini memaparkan maklumat yang berkemungkinan akan dibekalkan kepada pengguna RAMCI yang meminta laporan kredit saya. Seandainya saya mendapati sebarang maklumat di mana-mana bahagian laporan ini adalah tidak tepat, tidak lengkap, tidak dikemaskini atau mengelirukan, saya boleh meminta pembetulan dengan memberi dokumen sokongan bagi menyokong penyataan saya dengan menghubungi Bahagian Sokongan RAMCI di talian 03-2615 1100 atau melalui emel di info[@]mycreditinfo.com.my atau melawat RAMCI.

Saya dengan ini bersetuju dengan RAMCI berkomunikasi dengan saya melalui apa cara tetapi tidak terhad kepada seperti pengesahan biometrik, SMS, aplikasi mudah alih, pendaftaran dalam talian melalui laman web www.mycreditinfo.com.my pengguna, borang permohonan atau borang persetujuan kebenaran untuk mendapatkan laporan kredit daripada RAMCI, Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA) dan Central Credit Reference Information System (CCRIS) dan Dishonoured Cheques (DCHEQS) daripada Bank Negara Malaysia.

RAMCI berhak untuk meminda mana-mana terma dan syarat ini, polisi-polisi, penentuan harga, dasar pembayaran, dasar pengumpulan, dan semua perkara lain berkenaan dengan perniagaannya dan menawarkan laporan kredit RAMCI pada bila-bila masa mengikut budi bicara mutlaknya

Perkhidmatan dan Yuran

Semua perkhidmatan yang ditawarkan oleh RAMCI disediakan atas dasar tiada pulangan bayaran. Ini termasuk tetapi tidak terhad pada kegagalan untuk mengesahkan identiti anda. Di samping itu, jika terma dan syarat serta akaun anda dibatalkan oleh RAMCI, pembayaran yang telah di jelaskan tidak akan dikembalikan.

RAMCI tidak akan memberikan pembayaran balik sekiranya anda:

  • Tidak menyediakan dokumen sokongan termasuk tetapi tidak terhad pada MyKad; dan/atau
  • Dokumen sokongan yang tidak sah.

RAMCI akan menghubungi dan/atau menghantar emel peringatan kepada anda sebelum membatalkan perkhidmatan anda.

Akaun anda akan dianggap terbatal sekiranya anda gagal untuk respond terhadap keperluan yang telah RAMCI kemukakan dalam tempoh masa yang diberikan.

Notis Berkanun: Memproses Maklumat Kredit Anda

Seksyen 23 Akta Agensi Pelaporan Kredit 2010 memerlukan RAMCI untuk memberitahu saya bahawa maklumat kredit saya akan dikumpulkan dan diproses oleh RAMCI, termasuk pengenalan dan alamat (sekiranya ada) saya, sebagai pengarah perniagaan dan pegangan saham (jika ada), maklumat tindakan undang-undang seperti muflis atau undang-undang guaman (jika ada), maklumat pembayaran kredit daripada pemberi kredit perdagangan (jika ada), maklumat yang diperoleh daripada badan-badan berkanun, domain awam dan pelanggan RAMCI, dan Permohonan Laporan Kredit (CCRIS) dan Sistem Maklumat Cek Tendang (DCHEQS) daripada Bank Negara Malaysia. Maklumat kredit yang disebut boleh didapati dalam Laporan Peribadi RAMCI saya. Adalah penting bagi saya untuk memastikan maklumat kredit saya adalah tepat, terkini, lengkap, relevan dan tidak mengelirukan untuk melakukan pemeriksaan Laporan Peribadi RAMCI saya dari masa ke semasa dengan itu memastikan laporan kredit adalah tepat, lengkap dan terkini. Dengan memastikan laporan kredit adalah tepat, lengkap dan terkini, saya boleh mempercepatkan proses membuat keputusan dan mengelakkan kelewatan dalam pemprosesan kredit atau permohonan kerja dengan bank atau perniagaan.

Tujuan Pengumpulan Maklumat

Saya faham bahawa pelanggan RAMCI mungkin memerlukan laporan saya apabila saya , perniagaan saya atau perjanjian syarikat atau menjalankan urusan dengan syarikat-syarikat lain / perniagaan , badan-badan profesional atau institusi kewangan. Mereka mungkin memerlukan laporan saya untuk pelbagai tujuan termasuk , membuka akaun, pemberian kredit atau pinjaman , semakan kredit lanjutan atau kajian semula akaun yang boleh dilakukan dari semasa ke semasa , kontrak hire-purchase/leasing/rental , harta atau pembelian peralatan , pemfaktoran , insurans, perkhidmatan , pekerjaan kerja, dokumentasi undang-undang dan lain-lain di kalangan orang lain. Pelanggan kami termasuk perniagaan dan syarikat-syarikat , kerajaan dan badan-badan berkanun, kelab, koperasi , bank perdagangan, bank pelaburan, syarikat insurans , bank pembangunan, bank koperasi , broker saham , penerbit sistem pembayaran, peminjam wang berlesen, tuan-tuan tanah, perdagangan dan syarikat-syarikat komersial , agensi pekerjaan , profesional contohnya peguam, akauntan , penilai hartanah dan lain-lain di kalangan orang lain.

Notis Penting

Saya fahamkan Versi Bahasa Inggeris akan digunakan sekiranya menghadapi sebarang kekeliruan, konflik atau kemungkinan variasi antara Bahasa Inggeris dengan bahasa-bahasa lain pada masa menafsirkan dokumen ini atau contract, laman web, risalah dan sebagainya.


Bahangian Sokong Pengguna
RAM Credit Information Sdn Bhd (532271-T)
17-9 & 19-9, 9th Floor, The Boulevard,
Mid Valley City, Lingkaran Syed Putra,
59200 Kuala Lumpur.
Tel: +603-2615 1100
Fax: +603-2284 8808
Email: info[@]mycreditinfo.com.my
Website: www.mycreditinfo.com.my

Waktu Operasi:
Isnin hingga Jumaat (Kecuali Cuti Awam)
8.30 pagi - 5.30 petang

Dikemaskini @ 16/05/2017
Close

Please be informed that your personal credit report is temporarily blocked due to trade dispute investigation in accordance to Trade Reference Guidelines under Credit Reporting Agencies Act.

The investigation will take 2-5 working days to complete. Please come back again later.

Thank you for your patience and understanding in this matter.