The Bureau accesses and maintains both positive and negative credit information in order to provide a more comprehensive view of an SME’s or Consumer’s credit standing.
The Bureau obtains its credit information from the following data sources;
a) Central Credit Reference Information System (CCRIS) from Bank Negara Malaysia
b) Dishonoured Cheques information (DCHEQS) from Bank Negara Malaysia
c) Non-bank Credit Information which is provided and updated by CBM subscribers on a voluntary basis
Based on the above information and the Bureau’s customized credit score-cards, a credit report with credit rating is produced. Subscribers of Credit Bureau Malaysia which includes Financial Institutions, Multinational Corporations, Government Agencies, Businesses and Credit Grantors will then use such reports to assist in their credit evaluation process.