How to download your CCRIS report for FREE without leaving the comfort of your home? (Updated Sep 2022)

Did you know how you can download your CCRIS online report for FREE without needing to go to BNM? Yes, with Covid 19 pandemic accelerating the digitalization process, even governments & institutions have to adapt & adjust to provide online services without the need to risk getting out of their home.

eCCRIS offline registration for 1 Time Pin

Ever since its launch in 2018, you could register your eCCRIS by getting a 1 Time Pin at BNM HQ or branches. What you do, is drive all the way to BNM HQ (or branch), park, go to the kiosk (similar to EPF), insert your IC & select the option of ‘1 Time PIN’. The kiosk will register your interest for eCCRIS & generate 1 Time PIN for you which is valid for 48 hours (i think) & you will need to repeat the process in the event the PIN is expired. (since the last time, i register for my wife & she dilly dally and did not create her eCCRIS)

Here is the Link to register eCCRIS Physically previously

eCCRIS online registration for 1 Time Pin (Updated Sep 2022)

So with this new update, you can get your 1 Time Pin for eCCRIS without needing to leave home. Once you have set up your eCCRIS you can perpetually get your credit report online for FREE, forever. Just make sure you know how to open the files properly as BNM has properly encrypted & locked them for your eyes only.

A handphone number is very IMPORTANT. For the 1st time Pin will be sent to this number to use for 1st time login verification. So here is what you need to do:

1. Go to eCCRIS official website in BNM here and click Register Now
2. Enter your personal information Full Name
   • My Kad number
   • Date of Birth
   • Mobile Number
   • Email
   • Then Confirm details and Terms and Condition
3. For Digital Authentication, complete registration with a RM 1 transfer to a designated Bank Negara Malaysia account that will be automatically refunded within 2 working days
   • Successful authentication – 6-digit OTP will be sent to the registered mobile number and email
   • Unsuccessful authentication – The system will provide you with further instructions to complete your registration
4. If you like an easier to follow infographics, click HERE
5. Go to this site to download the eCCRIS form (as above)
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6. Download eCCRIS 1 Time Pin registration form HERE
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7. Fill up this form on your laptop. (I feel this is easier for me). You can use Adobe Acrobat Reader. If you are using your mobile, just make sure you are familiar with ADOBE Fill & Sign
8. Open the BNM pdf form. Tick on ‘eCCRIS Registration
   • 
9. Fill up all the relevant fields (For eg Name of Applicant, MyKad Number & etc)
10. Tick ‘Credit Check status’ on the right side of the column under ‘Purpose of Application’
11. Once you are done, use the “Sign Document” for laptop OR ADOBE Fill & Sign to place your signature & date (for mobile)
12. Save a copy and submit via BNM Tele Link here
13. Before you head over to BNM’s link, pls ensure you have a copy of these documents (which is COMPULSORY) when submitting via BNM Tele Link
    • Scanned MyKad front & back OR scanned Passport for foreigners
    • Latest TELCO bill – need to show your name, your handphone number on the bill & name of the TELCO company
    • Any 2 of these documents
      1. Valid driving license
      2. EPF Statement
      3. Bank Statement
      4. Birth Certificate
      5. Marriage Registration
      6. Utility bill such as electricity or water bill 

How to submit your completed eCCRIS form through BNM TeleLink (Update Sep 2022 – No longer needed)

Once done, you click on the BNK Tele Link, do these steps. (it is best you use Chrome, Safari & Firefox browser) 

1. Fill up all the mandatory field (denoted by *) 
   • 
2. For example ‘Citizenship’ – typically is by Malaysian unless you are a foreigner or expatriate having a loan or credit card in Malaysia
3. For ‘Submission by’ – typically we will submit via Individual. ‘For Company’ you can take a look at the requirement in the earlier form, there are additional documents to prepare
4. Under ‘Submission Type’ – select ‘Enquiry’
5. For ‘Category’ – select ‘CCRIS’
6. The rest, you should not have a problem filling up (for eg Name, MyKad, Email & etc)
7. For Attachment – pls choose the earlier PDF you have filled up together with all the documents you prepared in item 9 above (for eg your MyKad, Telco Bill & etc)
   • 
8. Type the ‘Captcha’ – which are the letters and numbers you see in the box.
9. Lastly, click on SUBMIT after you verify all your information is accurate

Once you submitted thru BNM Tele Link, it will take BNM 5-14 working days to process your request. Based on a few members of our community, they got their 1 Time Pin after 5 working days.

Your eCCRIS Pin is ready

Once you are notified by BNM that your eCCRIS Pin is ready, head over to BNM eCCRIS login. You will see this screen below. Click on ‘First Time Login’.

Next, you will see the screen below. Key in your Nationality, MyKad Number & 1st Time Pin which is your 6-digit OTP (Updated Sep 2022 – The 6-digit OTP is only valid for 7 days. Login before it EXPIRES). Click SUBMIT.

You will be prompted to create a USER ID & Password. Please ensure you use a strong password. For eg use Upper case & lower case. Use symbols and numbers. I understand that sometimes is so frustrating having to memorize so many passwords. But this is necessary & is a good practice for keeping scammers and hackers away.

Make or Break your Free for Life eCCRIS access

That’s why I will suggest you use a Password Manager or Wallet. All you need to do is just remember 1 password to unlock your Password Manager to check all your other passwords. You can google any wallet that has AES 256-bit encryption. I even use a free password manager => Pocket Password Manager. 

This is the part that will make or break your free-for-life eCCRIS access. If you keep your password properly, meaning keep your password from being stolen and remembering the password, you can log in as many times as possible, for FREE. Normally I don’t save my passwords with Google Chrome or any browser suggestion as this is giving an easy way for hackers to unearth our passwords.

Just like the internet banking & internet insurance portal, they will get you to select a security image for you to verify when you log in. BNM will ask you for a security phrase to prompt you during login to ensure you are logging into a genuine BNM site. During your 1 time registration, BNM will also ask you a series of security questions.

The purpose of these security questions which you need to prepare the answer for is used when you forgot your password OR changing your password. BNM will know this is you. So pls DO NOT share these security questions, answers, phrases & images with anyone. I would record all this into my password manager 

Should you forget or someone hack it, you need to reset your password. And to do that you need to repeat all the steps above all over again.

How to log in and get your eCCRIS report

Once you got the id & password set up, head over to download your CCRIS report HERE. 

Once you log in, 

1. Go to ENQUIRY – Self Inquiry – Individual
2. Then select – ‘I agree’
3. Click on ‘Report Enquiry’
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4. Your report will appear on the screen like this below
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5. If you like to download your report, head to the bottom right of the screen. Click on DOWNLOAD
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6. Click on DOWNLOAD again on the confirmation screen. Do take note the Password BNM set for you to open the file later is using this format
   • Date of report enquiry (01Jan2017)
   • First 3-characters of your User ID
7. Here is what your eCCRIS report will look like after downloading. Please DO NOT change the file name. The reason is that you need the ‘Date of the Report enquiry’ unchanged
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8. Open the file and make sure you type the ‘Date of Report’. The Date is case sensitive. For eg if you downloaded on 30/6/2021 & your user id is BK1234 – type ‘30Jun2021BK1’ to open your eCCRIS report

I can’t wait that long Or eCCRIS is down. Is there another option?

If you cannot wait for so long, I suggest you use some of the instant credit reports that you don’t mind paying for. The value adds that they have is, a comprehensive report, together with a credit scoring system based on your credit standing interpreted for you easily. Do look out for DISCOUNT CODE as these companies do have offers on and off. Here are 3 companies I am familiar with.

1. CTOS – Credit Report & Score
2. EXPERIAN – Personal Credit Report Plus
3. Credit Bureau

If you found something that is on your eCCRIS report that does not belong to you, pls report it to BNM & highlight it.

If you like to know how to read & interpret your CCRIS report, click HERE (coming soon)

*DISCLAIMER – This is a sharing based on my own experience. Instructions may differ when the BNM sites get updated from time to time. You may have a different experience and the sharing here is on a ‘best effort basis’ but should not be taken advantage of as we are independent & not affiliated with any party mentioned above. Do update me when you find any new updates and I will be happy to update this site & credit you.