Verify us before you submit documents or payment

1. Confirm our operating identity

Use these details as your baseline before you continue any conversation with us.

• Brand used for borrower-facing communication: GURU Credits
• Official office address: Level 5, 13A, Jalan Semantan, Damansara Heights, 50490 Kuala Lumpur
• Official phone and WhatsApp must match the numbers shown on this website
• We only direct borrowers through our official website, email, and WhatsApp channels

2. Know what a legitimate process looks like

• We start with eligibility review, borrower profile checks, and document readiness — not instant guaranteed approval.
• We explain the next step, what documents are needed, and why they are relevant to the review.
• Payment instructions, when applicable, are shared only through our official WhatsApp flow after basic verification.
• We expect borrowers to read written explanations, not rely on screenshots or verbal promises alone.

3. Stop if you see these red flags

• A request to transfer money to a personal account without a clear written explanation.
• Pressure to pay immediately before you understand the purpose of the fee or the process.
• Claims of guaranteed approval without looking at CCRIS, CTOS, income, or commitments.
• A mismatch between the website contact details and the person contacting you.

4. How we handle data and documents

• We follow PDPA-aligned handling for borrower information and limit document requests to what is relevant for the stage of review.
• We do not ask borrowers to upload every sensitive document blindly at the first touchpoint.
• Privacy, terms, and disclaimer pages are publicly available so borrowers can review them before proceeding.

Official resources you can cross-check

• Privacy Policy
• Disclaimer
• Editorial Policy
• Review Methodology
• Service Areas
• Contact Page
• FAQ

Public Malaysian resources

• Bank Negara Malaysia
• AKPK
• BNMTELELINK