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.
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
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:
Once done, you click on the BNK Tele Link, do these steps. (it is best you use Chrome, Safari & Firefox browser) 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.
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.
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.
Once you got the id & password set up, head over to download your CCRIS report HERE.
Once you log in,
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.
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.