What is included in the Eligibility Analysis Package?

Our RM30 Eligibility Analysis Package includes: complete credit report analysis (CCRIS & CTOS), DSR calculation and assessment, loan approval chances evaluation, maximum loan limit estimation, issue identification with solutions, personalized bank recommendations, and full explanation with guidance. You receive a comprehensive report within 24 hours.

Do you guarantee loan approval?

No, we do not guarantee loan approval as the final decision rests with the banks. However, our analysis significantly improves your chances by identifying potential issues beforehand, recommending the right banks, and helping you present a stronger application. Our clients have an 85% success rate when following our recommendations.

What other services do you offer besides the Eligibility Analysis?

We offer several additional services: DSR Consultation (RM20) for focused debt ratio optimization, Loan Application Assistance (RM50) for full support from document preparation to bank liaison, and Credit Repair Consultation (RM40) for guidance on improving your credit score and resolving credit issues.

Can you help with all types of loans?

Yes, we can help with various loan types including home loans/mortgages, car loans/hire purchase, personal loans, business loans, and refinancing. Our analysis covers the criteria that banks use for all these loan types.

What is DSR and why is it important?

DSR (Debt Service Ratio) is the percentage of your monthly income that goes towards debt payments. Banks use DSR to assess your ability to repay loans. Most Malaysian banks require DSR below 60-70%. A lower DSR means higher borrowing capacity and better approval chances.

What is a good DSR percentage?

Generally: Below 30% is excellent (best rates available), 30-40% is good (most banks approve), 40-50% is moderate (some restrictions may apply), 50-60% is high (limited options), and above 60% is critical (most banks will reject). We recommend keeping DSR below 50% for optimal approval chances.

What is CCRIS and CTOS?

CCRIS (Central Credit Reference Information System) is maintained by Bank Negara Malaysia and contains your credit history with financial institutions. CTOS (Credit Tip-Off Service) is a private credit reporting agency that provides credit reports. Both are used by banks to assess your creditworthiness.

How can I improve my DSR?

You can improve your DSR by: paying off existing debts, increasing your income, avoiding new debt commitments, consolidating multiple loans into one, settling credit card balances, and negotiating lower interest rates on existing loans. Our DSR Consultation service provides personalized strategies.

What affects my credit score?

Your credit score is affected by: payment history (late payments, defaults), credit utilization (how much of your credit limit you use), length of credit history, types of credit accounts, recent credit applications, and outstanding debts. We analyze all these factors in our report.

How long does the analysis take?

Most analyses are completed within 24 hours after we receive your complete information. For complex cases or during peak periods, it may take up to 48 hours. We will notify you immediately once your report is ready.

Credit Score Guide

Improve Your Credit Score in Malaysia

A practical CCRIS + CTOS playbook to raise approval odds for borrowers in Malaysia (Nationwide).

12 months

CCRIS window

< 30%

Safe utilization

90 days

Recovery plan

Every 6-12 months

Check frequency

90-Day Recovery Plan

Pull CCRIS + CTOS reports

Confirm late markers, legal actions, and total outstanding balances before applying.

Stabilize payment history

Clear arrears and keep every facility current for 3 straight billing cycles.

Lower utilization

Reduce card usage to under 30% of the limit or request a higher limit only after clean payments.

Avoid rapid applications

Space out new loan inquiries to prevent score drops from too many checks.

Documents to Prep

Latest 6 months payslips and bank statements

Recent CCRIS report (BNM eCCRIS)

CTOS report or legal status verification

Proof of debt settlement (if any)

Mistakes That Hurt Scores

Paying late even once in the last 12 months

Using > 50% of credit card limits

Applying for multiple loans within 2-3 weeks

Ignoring PTPTN or telco arrears

Helpful Tools

Free calculators to keep your DSR healthy.

DSR Calculator Eligibility Test Loan Comparison

Deep dives to support your plan.

How to Improve Credit Score Malaysia Understanding DSR for Borrowers Loan Rejection Reasons & Fixes

Want a Credit Repair Plan?

We review your CCRIS/CTOS and suggest the fastest path to approval with a RM30 analysis package.

Start Eligibility Review Chat on WhatsApp

Credit Score FAQ

How long do late payment records stay in CCRIS?

CCRIS shows the last 12 months of repayment history. One late marker fades after 12 clean cycles.

Should I close unused credit cards?

If annual fees are high, close the card. Otherwise keep limits low and usage below 30%.

Can I improve my score before applying for a loan?

Yes. Focus on clearing arrears, lowering utilization, and avoiding new applications for 60-90 days.