CTOS

CTOS is Malaysia’s leading credit reporting agency with more than 1 million CTOS ID users!

This application enables you to obtain your CTOS User ID so that you can:-
1. Get your CTOS Score report via the mobile app to monitor your credit health
2. Subscribe to CTOS SecureID to safeguard yourself from identity theft, fraud and scams
3. Amend your CTOS ID profile so that it is accurate and up-to-date


MyCTOS Score Report
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• Increase your chances of loan approval
• Check for warning signs of identity theft & fraud
• See if there's litigation or bankruptcy case under your name
• Check if you owe anyone (Trade References - eTR)
• Fix inaccuracies and 'clean up' your credit report


CTOS SecureID
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1. Fraud Alerts:
• Dark Web Monitoring: Scanning over 14 billion data breach records to detect if your info has been compromised
• New Credit Application: Alerts you on any new credit applications under your name
• Credit Limit Changes: Alerts you on any changes in your credit limit (increased or decreased)
• Account Closure: Alerts you on closures of any credit facilities under your name
• Changes of Address: Alerts you on any address changes associated with your NRIC number
• Scam Alerts: Provide you alerts on latest scam so you can take precautions

2. Credit Monitoring:
• Score Updates: Monitor changes in your credit score reports every 3 months
• Missed Payments: Monthly alert on missed payments
• Bankruptcy Records: Know if bankruptcy cases are falsely booked or reported under your name
• Litigation Records: Know if anything legal is falsely booked or reported in court system
• Trade Referee Listings (eTR): Know if you are listed by non-financial institutions for outstanding debt

3. Takaful Coverage
• Up to RM20,000 takaful coverage: Get coverage for financial losses due to fraudulent transactions and more..

We are constantly updating the CTOS ID mobile app to add more features. Download now!

Learn more at www.ctoscredit.com.my
Like us on Facebook for more updates at https://www.facebook.com/ctosdatasystems

Recent changes:
- Extended Login OTP Duration: We have increased the validity and the duration of the OTP to give you a better login experience!
- Bug fix and other improvements

Stay tuned for more updates!