Credit Report, Credit Scores & Credit Checks | MYCREDITINFO by RAMCI

Take control of your financial situation with RAMCI Personal Credit Report Plus (PCRP). Know how your credit report works and how lenders or the banks use it. We make it easy to understand and improve your credit status. RAMCI Personal Credit Report is more than a report, it is your credit management tools to financial empowerment.

PCRP provides one-stop credit information:

RAMCI i-Score (Credit Score)
Banking Information (CCRIS)
Skim Potongan Gaji Angkasa (SPGA)
PTPTN
Trade References (Non-Banking Info)
Litigation History and more.

RM 19.50 (Inclusive SST)

View sample report here: PCRP SAMPLE REPORT

Personal Credit Report Sample

Consist of the following information:

Your Name
Identity Card Info (New and Old IC)
Address
Your i-Score (Credit Score)

Your business involvement as director/shareholder/owner/partner of Companies/Businesses as available in RAMCI databank.
Previous known business interest (if any).

Shareholding / Directorships
and Business Interests

Banking Credit Information

Your credit facilities with any participating banks/financial institutions in Bank Negara Malaysia's Central Credit Reference Information System (CCRIS).
Credit facility taken either directly by you, jointly or obtained by sole proprietorship in which you are the owner.
Name of banks or financial institution which disbursed your credit facility, branch of the financial institution where your credit facility was obtained.
Total credit limit, outstanding balance amount of your credit facility and date when your total outstanding was last reported by the banks / financial institutions.
Type of collateral or security pledged for the credit facility.
Frequency of your payments for each facility, i.e. monthly or weekly.
Approved credit applications made over the last 12 months with the participating CCRIS members.
Any of your credit facilities that is under special monitoring by the banks or financial institutions under Special Attention Accounts.

Personal Information + i-SCORE

Skim Potongan Gaji Angkasa (SPGA) Credit Information

Monthly salary deduction

Pending deduction & payment history

Legal and Bankruptcy Information

Legal or bankruptcy proceedings captured by RAMCI from public sources.

Trade Reference (Non-Banking Information)

Credit records from non-banking industries.

When Someone Ask About You

Inform you on the enquiries made on you when apply credit facilities from the banks or other credit grantors.

This will help early detection of identity fraud if someone try to use your identity for credit fraud. Know more on how to protect your identity through RAMCI Identity Protection Plan.

Statutory Notification | Summary of Rights

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