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Established in 1990, CTOS is Malaysia’s leading Credit Reporting Agency (CRA) under the purview of the Registrar Office of Credit Reporting Agencies, Ministry of Finance and regulated under the Credit Reporting Agencies Act 2010.At CTOS, we facilitate credit extensions by empowering individuals and businesses with access to crucial information at greater ease and speed. We deliver a complete portfolio of credit risk management solutions and services and are widely used by the country’s banking and financial institutions, insurance and telecommunication companies, large corporations, SMEs, legal firms and statutory bodies.According to World Bank’s Doing Business Report 2020, Malaysia is ranked 12 out of 190 countries for ease of doing business and deemed one of the easiest countries to get credit in the world. We are proud to have contributed to that.