Credit Guides

Everything you need to understand, fix, and build your credit in Malaysia.

myth-busting2026-04-14

Does Checking Your Credit Score Lower It? Soft vs Hard Inquiries in Malaysia

Checking your own credit score does not lower it. Learn the difference between soft inquiries and hard inquiries on CCRIS and CTOS, and how each affects your credit profile.

myth-busting2026-04-13

Bank Blacklist Malaysia: The Truth About Why You Were Rejected

There is no official bank blacklist in Malaysia. Learn what actually happens when you are rejected, what CCRIS SAA status means, and how to recover.

myth-busting2026-04-13

Does BNPL Affect Your Credit Score in Malaysia? What Changed in 2026

BNPL now affects your credit score in Malaysia. The Consumer Credit Act 2025 means Atome, Split, SPayLater and others report to credit bureaus. Here's what to do.