90-day recovery plan
- 01
Pull CCRIS + CTOS reports
Confirm late markers, legal actions, and total outstanding balances before applying.
- 02
Stabilize payment history
Clear arrears and keep every facility current for 3 straight billing cycles.
- 03
Lower utilization
Reduce card usage to under 30% of the limit, or raise the limit only after clean payments.
- 04
Avoid rapid applications
Space out new loan inquiries so too many checks don’t drag your score down.
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 your score
- Paying late even once in the last 12 months
- Using more than 50% of credit card limits
- Applying for multiple loans within 2-3 weeks
- Ignoring PTPTN or telco arrears
Questions
More questions
Who is eligible to apply for a loan through GURU Credits?
You typically need to be a Malaysian citizen or permanent resident, aged 21–60, with a regular income. Requirements vary slightly by loan product and lender. We review your CCRIS/CTOS profile, income, and DSR before matching you to a licensed lender — meeting these basics does not guarantee approval, as each bank makes its own final decision.
What is the minimum monthly salary required?
Minimum income requirements vary by product and lender, and are usually a few thousand ringgit a month for personal financing. Rather than quote one fixed figure that may not apply to your situation, we check your latest payslips or bank statements and tell you which lenders are a realistic fit for your income level.
Is there an age limit to apply?
Applicants are typically expected to be between 21 and 60 years old, though this can vary by lender and by product — some allow slightly older applicants if the loan matures before retirement age. We phrase this as "typically" because individual bank policies differ, and we will confirm the exact range for the product you are interested in.