Credit Term
Soft Inquiry
Another United States term, the counterpart to hard inquiry, and Malaysia's bureaux do not publish this category either. The point it is reaching for still holds here: checking your own record is not a credit application, so it does not enter the Application for Credit section of your CCRIS report.
The distinction that matters in Malaysia is not hard versus soft. It is application versus self-check.
Bank Negara's Application for Credit section records credit applications — approved, or pending a decision — from the last 12 months. Pulling your own report through eCCRIS, or running a CTOS self-inspection, is not an application for credit, so there is nothing for that section to record. That is why a self-check cannot show up on the report another lender reads.
Many Malaysians avoid looking at their record for fear of 'damaging' it. That fear is imported along with the vocabulary, and it is misplaced. Reviewing your own report regularly helps you catch errors and fraud early and lets you walk into an application knowing what the bank will see. Check it as often as you like.
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This definition is drafted against primary sources (Bank Negara Malaysia, AKPK and the relevant Acts) and is pending editorial fact-check. If you find an error, tell us and we will correct it with a dated note.