Credit Guides
Everything you need to understand, fix, and build your credit in Malaysia.
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?
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
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.
Credit Score for Your First Home in Malaysia: What Lenders Want Before You Apply
How to prepare your CCRIS and CTOS for a Malaysian home loan — what banks check, the 12-month runway, and how a stronger profile unlocks better rates and higher margin of finance.
Joint Loan Applications in Malaysia: What CCRIS Shows and What the Fine Print Means
Applying for a loan jointly with a spouse, parent or sibling? Both files carry the full debt, the worst CCRIS conduct wins, and exiting later usually means refinancing. Here's what to read before you sign.