Skip Ribbon Commands
Skip to main content

Credit Information


Last modified: 28/03/2017 09:49 AM |


by: i:0#.w|bnmof\mohayazeed_jasni

What are the Credit Information held by the Credit Bureau?


The Credit Bureau collects credit information on individuals and commercial entities on a regular basis from the data providers on the following types of information:

(i) Basic personal profile data such as name, identification number, address;

(ii) Records of all credit facilities from the data providers belonging to the customer such as

      • Car loan,
      • Home loan,
      • Personal loan,
      • Education loan,
      • Credit card,
      • Overdraft,
      • Electricity bill,
      • Internet bill, and
      • Telephone bill;

(iii) Records of all credit facilities guaranteed by the customer;

(iv) Dishonoured cheques due to insufficient fund, if any; and

(v) Legal suits filed by data providers, if any.

Utility Data

What is Utility Data?

Utility data consists of your timely and outstanding payment information such as water, electricity and phone bills, and Internet and television subscriptions from providers of "credit-like" services, i.e. utility or telecommunication companies.  

How is it useful?

Utility data can give a beneficial edge, in terms of credit accessibility, to those who have yet or have little established relationship with the financial institutions, particularly, "thin file" borrowers (borrowers with little credit history) and "null file" borrowers (borrowers with no credit history).

Utility data serves as value-added information inside the credit report, which means the financial institutions will have alternative means of evaluating the creditworthiness of their existing and prospective borrowers. 


The Credit Bureau DOES NOT collect the following information:

  • Savings / deposits;
  • Net worth of the individuals;
  • Blacklist information;
  • Investment(s) made through the financial institutions.