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CTOS

Monitor your Malaysian credit score, get real-time fraud alerts, and safeguard your financial reputation from anywhere in the world.

Key Figures

Downloads

437K+

User Rating

1.8/5

Total Ratings

600

Publisher

CTOS DATA SYSTEMS SDN BHD

Secure Your Malaysian Financial Future from Anywhere

The essential toolkit for the Malaysian diaspora to monitor credit health, prevent identity theft, and ensure loan readiness for investments back home.

Real-Time Credit Score Tracking

Get instant access to your MyCTOS Score and monitor changes every three months to maximize your chances for property or business loan approvals in Malaysia.

Global Identity Protection

Stay safe with SecureID fraud alerts, including Dark Web monitoring and notifications for new credit applications or address changes linked to your NRIC.

FAQ

Frequently Asked Questions

Everything you need to know about CTOS

What is the CTOS app?

The CTOS app is Malaysia's leading credit reporting agency application, enabling users to monitor credit health, safeguard against identity theft with CTOS SecureID, and update their credit profile.

What is the price of CTOS SecureID?

CTOS SecureID costs RM9.90 per month or RM99 per year. This subscription provides comprehensive fraud protection and credit monitoring features within the CTOS app.

What features does CTOS SecureID offer?

CTOS SecureID provides Fraud Alerts, Credit Monitoring, and Takaful Coverage. These features protect users from identity theft, monitor credit score changes, and offer financial coverage.

Does the CTOS SecureID service include dark web monitoring?

Yes, CTOS SecureID includes dark web monitoring. This feature scans over 14 billion data breach records to detect if personal information has been compromised.

Can I check my credit score using the CTOS app?

Yes, the CTOS app allows users to obtain their CTOS Score report. This helps monitor credit health and identify warning signs of identity theft or fraud.

What fraud alerts does CTOS SecureID provide?

CTOS SecureID offers fraud alerts for dark web compromises, new credit applications, credit limit changes, account closures, address changes, and general scam alerts to protect users.

How frequently does CTOS SecureID update credit score changes?

CTOS SecureID monitors and provides score updates every three months. It also includes monthly alerts for missed payments to keep users informed about their credit status.

Does CTOS SecureID offer financial coverage for fraud?

Yes, CTOS SecureID includes Takaful Coverage of up to RM20,000. This provides financial protection for losses incurred due to fraudulent transactions and related incidents.

Can I view my total outstanding amount and credit limit in the CTOS app?

Yes, the CTOS app displays your total outstanding amount and total credit limit in the MyCTOS Report Summary. It also shows details like loan inquiries and bankruptcy status.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

CTOS - CTOS SecureID app screen displaying fraud protection and credit monitoring services including dark web monitoring alerts — CTOS SecureID app screen displaying fraud protection and credit monitoring services including dark web monitoring alerts

CTOS - CTOS mobile app login screen featuring fields for NRIC or passport and password with an orange login button. — CTOS mobile app login screen featuring fields for NRIC or passport and password with an orange login button.

CTOS - Mobile dashboard of the CTOS app featuring fraud protection alerts and a credit score indicator. — Mobile dashboard of the CTOS app featuring fraud protection alerts and a credit score indicator.

CTOS - Dashboard of the CTOS app displaying a credit report summary with outstanding balance and financial records — Dashboard of the CTOS app displaying a credit report summary with outstanding balance and financial records

CTOS - CTOS app interface showing detailed bank payment history and outstanding loan balances. — CTOS app interface showing detailed bank payment history and outstanding loan balances.

Description

CTOS is Malaysia’s leading credit reporting agency with more than 1 million CTOS ID users! This application enables you to obtain your CTOS User ID so that you can:- 1. Get your CTOS Score report via the mobile app to monitor your credit health 2. Subscribe to CTOS SecureID to safeguard yourself from identity theft, fraud and scams 3. Amend your CTOS ID profile so that it is accurate and up-to-date MyCTOS Score Report =================== • Increase your chances of loan approval • Check for warning signs of identity theft & fraud • See if there's litigation or bankruptcy case under your name • Check if you owe anyone (Trade References - eTR) • Fix inaccuracies and 'clean up' your credit report CTOS SecureID ============= 1. Fraud Alerts: • Dark Web Monitoring: Scanning over 14 billion data breach records to detect if your info has been compromised • New Credit Application: Alerts you on any new credit applications under your name • Credit Limit Changes: Alerts you on any changes in your credit limit (increased or decreased) • Account Closure: Alerts you on closures of any credit facilities under your name • Changes of Address: Alerts you on any address changes associated with your NRIC number • Scam Alerts: Provide you alerts on latest scam so you can take precautions 2. Credit Monitoring: • Score Updates: Monitor changes in your credit score reports every 3 months • Missed Payments: Monthly alert on missed payments • Bankruptcy Records: Know if bankruptcy cases are falsely booked or reported under your name • Litigation Records: Know if anything legal is falsely booked or reported in court system • Trade Referee Listings (eTR): Know if you are listed by non-financial institutions for outstanding debt 3. Takaful Coverage • Up to RM20,000 takaful coverage: Get coverage for financial losses due to fraudulent transactions and more.. We are constantly updating the CTOS ID mobile app to add more features. Download now! Learn more at www.ctoscredit.com.my Like us on Facebook for more updates at https://www.facebook.com/ctosdatasystems