

Credit Information Center Corporation strives to protect and improve personal credit information and contributes to the realization of an affluent society through the healthy development of consumer credit.
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Founded in 1990, CTOS is Malaysia’s leading Credit Reporting Agency (CRA), operating under the supervision of the Registrar Office of Credit Reporting Agencies and regulated by the Credit Reporting Agencies Act 2010. They enhance credit accessibility for individuals and businesses by providing swift access to essential information. The agency offers a comprehensive range of credit risk management solutions and services, widely utilized by the country’s banking and financial institutions, insurance and telecommunications companies, large corporations, SMEs, legal firms, and statutory bodies.
LenddoEFL is a global provider of credit scoring and financial inclusion solutions. They leverage alternative data and digital identity verification to help financial institutions assess credit risk and extend credit to underserved populations.
Global Credit Rating was established in 1996 as the African arm of the New York Stock Exchange-listed Duff & Phelps. It is a licensed rating agency recognised as an External Credit Assessment Institution.
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