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Your credit score, explained.

Free tools and plain-language guides to help you understand, fix, and build your credit in Malaysia.

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Latest guides

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You Lost Your Job in Malaysia: What Happens to Your Credit, and What to Do First
life-events

You Lost Your Job in Malaysia: What Happens to Your Credit, and What to Do First

Losing your job does not appear on your CCRIS report — there is no employment field. The missed instalment does. Here is the 60-day EIS deadline, and the honest answer on whether asking your bank for help marks your record.

When Your Spouse Dies in Malaysia: Whose Debt Is It Now?
life-events

When Your Spouse Dies in Malaysia: Whose Debt Is It Now?

Your husband's or wife's debts do not transfer to you when they die — they attach to the estate. Here is what the law actually says, and the three routes by which people do end up personally liable.

Divorce and Your Credit in Malaysia: The Decree Binds Your Ex, Not the Bank
life-events

Divorce and Your Credit in Malaysia: The Decree Binds Your Ex, Not the Bank

A court order dividing matrimonial assets binds you and your ex. It does not bind your lender. Here is what the Contracts Act says, and the one document that actually gets your name off a joint debt.

Bai` `Inah and Tawarruq: The Two Contracts Behind Malaysian Islamic Financing
islamic-credit

Bai` `Inah and Tawarruq: The Two Contracts Behind Malaysian Islamic Financing

Your Islamic financing contract names one of these. What each structure actually does, the condition that makes bai` `inah valid, and why either way you end up owing a sale debt rather than a loan.

Islamic Credit Cards and CCRIS in Malaysia: What Actually Differs
islamic-credit

Islamic Credit Cards and CCRIS in Malaysia: What Actually Differs

A credit card-i appears on your CCRIS exactly like a conventional card, and its rate ceilings are identical. Here is what genuinely differs — the contract, and five protections only card-i holders get.

Behind on an Islamic Credit Card in Malaysia: Your Rights and the Steps to Take
islamic-credit

Behind on an Islamic Credit Card in Malaysia: Your Rights and the Steps to Take

If you are behind on a credit card-i, Bank Negara gives you protections a conventional cardholder does not have — including an obligation on your issuer to consider hardship. Here is how to use them, in order.

Independent

Not owned by a bank or bureau. Our guides put your interests first.

Myth-busting

We correct misconceptions about blacklists, CCRIS, and credit scores.

Action-oriented

Every guide ends with steps you can take today to improve your credit.