{"id":64737,"date":"2024-08-20T12:28:43","date_gmt":"2024-08-20T04:28:43","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=64737"},"modified":"2024-08-21T12:29:01","modified_gmt":"2024-08-21T04:29:01","slug":"ctos-free-credit-score-jiwa-merdeka","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/ctos-free-credit-score-jiwa-merdeka","title":{"rendered":"CTOS Offering Free Credit Score Giveaway Until Sept 20"},"content":{"rendered":"

CTOS is providing 67,000 free MyCTOS Score reports in conjunction with the Merdeka and Malaysia Day months. First-time MyCTOS Score users using the CTOS Mobile App are eligible to claim this free credit score.<\/p>\n

CTOS is offering this free credit score giveaway from August 15 until September 20 in support of the government’s Jiwa Merdeka campaign.<\/p>\n

<\/span>Free MyCTOS Score Merdeka giveaway<\/span><\/h2>\n

\u201cOut of a working population of 17.1 million Malaysians, so far just over 4 million people have checked their credit report with CTOS, which means that over 75% are still to do so,” said Erick Hamburger, Group CEO of CTOS Digital Berhad.<\/p>\n

“We are committed to championing financial literacy and building a better Malaysia for all,” he added.<\/p>\n

Financial independence goes hand in hand with a healthy credit score. A good credit score goes a long way in helping you make sound financial decisions for the future as a more attractive credit customer to financial institutions.<\/p>\n

\"\"<\/a><\/p>\n

<\/span>What is in the MyCTOS Score\u00a0report?<\/span><\/h2>\n

Financial information that will rate your credit worthiness will be included with the CTOS score.<\/p>\n

This includes:<\/p>\n

    \n
  • CCRIS records<\/li>\n
  • litigation and bankruptcy information,<\/li>\n
  • directorship and business interest based on Companies Commission of Malaysia (SSM)<\/li>\n
  • trade reference listings (eTR) showing payment records to non-financial institutions<\/li>\n<\/ul>\n

    Five factors that decide the information in your credit score<\/h4>\n

    According to CTOS, five factors make up the 3-digit number of the score. They are payment history,
    \namount owed, credit history length, credit mix and new credit application.<\/p>\n

    How CTOS gather the information for these five factors are listed below.<\/p>\n

      \n
    1. Payment history<\/strong>: evaluates timeliness of loan payments over the last 12
      \nmonths.<\/li>\n
    2. Amount owed<\/strong>: is an account of credit facilities from various banks and the
      \namount owed for each.<\/li>\n
    3. Credit history length<\/strong>: represents the length of time a particular credit facility
      \nhas been held.<\/li>\n
    4. Credit mix<\/strong>: evaluates the types of loans and credit credit cards held \u2013 secured
      \ncredit (e.g. home and car loans) versus unsecured credit (credit cards and
      \npersonal loans).<\/li>\n
    5. New credit<\/strong>: looks at the success of new credit facility applications in the past
      \n12 months.<\/li>\n<\/ol>\n

      The sum total of these factors will convert to a 3-digit number which ranges from 300 to 850. The higher the number will indicate the individual’s higher credit worthiness.<\/p>\n

      <\/span>How to claim the free MyCTOS score<\/span><\/h2>\n

      First time users of the CTOS mobile app only need to download the CTOS
      \nApp. After signing up, they just need to enter the promotional code \u201cMerdeka67\u201d before September 20, 2024.<\/p>\n

      For more information, download the CTOS mobile app or go to https:\/\/www.ctoscredit.com.my.<\/p>\n","protected":false},"excerpt":{"rendered":"

      This free credit score giveaway is in support of the government’s Jiwa Merdeka campaign to help Malaysians achieve financial independence.<\/p>\n","protected":false},"author":1,"featured_media":64738,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[309,218,216],"tags":[879,2439,1107,1286,982],"class_list":["post-64737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-creditscore","category-money-management","category-news-updates","tag-ctos","tag-jiwamerdeka","tag-malaysia","tag-merdeka","tag-news"],"acf":[],"yoast_head":"\nClaim Your Free MyCTOS Credit Score Merdeka Giveaway<\/title>\n<meta name=\"description\" content=\"A good score makes you more attractive to financial institutions that you are a reliable borrower. 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