CCRIS (Central Credit Reference Information System)is actually a  credit database system that is maintained by Bank Negara. Every able Malaysians, businesses and companies will have their credit information updated to Ccris. All  participating financial institutions will have access to this database to asses your credit ratings before deciding to give any loans to you. CCRIS records will typically be kept for 12 months. While a bank will usually reject for application for any 2 months outstanding payment.   Central Credit Reference Information System, also popularly known as CCRIS is a service platform and centralized system created by the central bank of

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