Credit Bureau
Introduction
When you apply for a loan from a financial institution, it will perform a credit
assessment on you. This may involve background checks from various sources
including the Credit Bureau which keeps information regarding your credit history

This booklet explains the role and operations of the Credit Bureau and how you
can check your credit information kept at the Credit Bureau.

Role of the Credit Bureau
The Credit Bureau was established under the Central Bank of Malaysia Act 1958
and has been in operation since 1982. The Credit Bureau collects credit
information on borrowers from financial institutions and the information were then
used by financial institutions to help them make informed lending decisions in a
more timely manner. The Credit Bureau is managed by Bank Negara Malaysia.

What type of information about you is held by the Credit Bureau?

If you are a borrower or a credit card holder, your credit information will be kept
at the Credit Bureau. The types of information kept are as follows:
• Personal particulars such as name, identity card number and address
• Details of credit account such as type of credit facilities, credit limit,
outstanding balance, conduct of account and status of legal action, if any
The information contained in the credit reports are entirely factual and are based
on information obtained from the financial institutions.

The Credit Bureau does not express any opinion about the information in
the credit reports.

Confidentiality of information

There are strict rules pertaining to access and use of the information kept in the
Credit Bureau to ensure confidentiality of borrowers’ information. The Credit
Bureau can only provide your credit report to the financial institution where you
have made a loan application or where you have borrowed money.
In addition, the information can only be used by the financial institution to
evaluate your credit application or review your credit status. Other than in legally
permitted situations, such as in the course of any court proceedings between the
customer and the financial institution or when the disclosure is allowed under any
Federal law to be made to the police, financial institutions are prohibited to
disclose the information of the borrowers to any party.

Obtaining a credit report

The law permits the Credit Bureau to disclose your credit report to you. Steps to
get a credit report are as follows:

For applicants residing in Klang Valley
You may obtain the credit report from Laman Informasi Nasihat dan Khidmat
(LINK) of Bank Negara Malaysia at the following address:

LINK
Ground Floor, Block D
Bank Negara Malaysia
Jalan Dato’ Onn
50480 Kuala Lumpur.

For verification purposes, LINK would require the following supporting
documents:




Type of applicant
Supporting documents required
Individual
• My-Kad
•
One supporting document such as
driving licence, utility bills
•
Photocopies of the above documents
Sole proprietorship
• My-Kad
•
Copy
of
business
registration
certificate from Suruhanjaya Syarikat-
syarikat Malaysia (SSM)
Partnership
• My-Kad of the applicant or appointed
representative
•
Authorisation letter printed on the
business’s official letterhead that is
signed by the other partner(s)
•
Copy of the business registration
certificate from SSM
Company
• My-Kad of the applicant or appointed
representative
• Authorisation letter printed on the
company’s letterhead that is signed by
at least two directors and the company
secretary
• Certified true copy of From 9, Form 49
and Form 13 (if applicable) that are
signed by the company secretary
Deceased
• My-Kad of the applicant (next of kin of
the deceased, e.g. wife, children,
parents or siblings)
• Death certificate of the deceased
• Proof of applicant’s relationship with
deceased (e.g. marriage certificate,
birth certificate, court order)

For applicants residing outside Klang Valley
You may apply by submitting a Credit Report Request Form and a Loan
Declaration Form which can be obtained from either
•
the Credit Bureau websites, creditbureau.bnm.gov.my or
• Branches of Bank Negara Malaysia
You need to submit the following documents together with your application:
• A clear photocopy of your MyKad (both sides) with cross lines and worded
“for TELELINK” use only” , and
• A clear photocopy of two other documents (with your name and address
stated clearly), such as
o Driving licence
o Passport
o Utility bill
o Bank account statement
o Credit card statement
o EFP statement or
o “J” Form
Submit completed forms and supporting documents by fax/ post/e-mail to:
BNMTELELINK
Corporate Communications Department
Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur.
Fax No: 03 2174 1515
E-mail: bnmtelelink@bnm.gov.my

Verifying information in the Credit Bureau
If your credit report is inaccurate, you may seek clarification from the Credit
Bureau as follows:
• Obtain a Request for Data Review (RDR) Form
The form can be downloaded from the Credit Bureau website
creditbureau.bnm.gov.my or can be obtained by mail from TELELINK.
• Complete the RDR Form. Identify each item in the credit report which is
disputed by you. State the facts and explain why you dispute the
information.
• Submit the completed RDR Form together with a copy of the disputed
credit report and copies of documents to support your case by fax/post/e-
mail to BNMTELELINK.
The Credit Bureau will investigate and notify the financial institution that had
provided the disputed information. If the financial institution finds the disputed
information to be inaccurate or incomplete, it must immediately amend the data
in the Credit Bureau. The investigation and remedial process will normally take
about a month. The Credit Bureau will, if necessary, inform financial institutions
that have accessed your credit reports in the past three months, of any significant
or important changes in your credit reports. You will also be notified of the
outcome of the investigation.