RAMCI Credit Info - How To Easily Obtain Your Personal Credit Score

RAMCI Credit Info - How To Easily Obtain Your Personal Credit Score


As we pass through this phase called life, there comes stages in life that requires us to start taking up loans, specifically home loans. Speaking as a married man with two kids, getting a house to live in these days can be quite a daunting task, what more trying to apply for a loan to finance that dream house. Have you thought about it yet? How does the bank rate you, your credit score before they think you are OK to take their loan, and approve it? Read on then!


My dream home, would entail an office space. Working from home, my dream.
My dream home, would entail an office space. Working from home, my dream.

Using Credit Score To Enhance Financial Management


We all know being prudent in our expenses, and investing properly would make us rich. But have you ever tried to take a peek at your credit score? Recently I was at a talk held by RAMCI (RAM Credit Info Sdn Bhd), one of the largest credit reporting agency in Malaysia providing innovative credit solutions for the financial and commercial sectors. It was an eye opener indeed, one which I plan to share with you today. 


RAMCI Maiden Customer Survey Reveals 64% Never Viewed Their Credit Reports
RAMCI Maiden Customer Survey Reveals 64% Never Viewed Their Credit Reports


Oh my! Did you know RAMCI did a survey and it Reveals 64% Never Viewed Their Credit Reports? No wonder so many good Malaysians are having problems getting their home loans approved, never realizing how they were in trouble with their credit until its too late. 64% is a huge percentage, more than half, and a further 8% were unsure if they have viewed it. 


Home Loans, everyone needs one, yet not everybody gets theirs approved.
Home Loans, everyone needs one, yet not everybody gets theirs approved. 

What is a Personal Credit Report?


Credit reports can help one manage their credit profile, manage multiple credit accounts and ensure that they qualify for the hire purchase loan.

Now being a family man, I personally have taken up bank loans for a couple of properties, one of which I sold off earlier this year. I have a hire purchase loan out for my family car as well. All these are essential once I started a family, with two kids running around the home. Juggling all these, is indeed a huge responsibility, hence knowing one's limit as well as one's credit is extremely important for long term planning. You don't want to wake up one day and realize your car is being towed away don't you?


Getting Your Personal Credit Report is SO VERY Important


How then do you get your Personal Credit Report, and what exactly is the RAMCI Personal Credit Report? 

This comprehensive Personal Credit Report PLUS (PCRP) provides one-stop information, easy to read format, making it easy for you to understand and review your credit information. RAMCI's PCRP provides one-stop information for your credit information and score:

  • Banking Information (CCRIS) 
  • i-Score (Credit Score)
  • ANGKASA (SPGA)
  • PTPTN
  • Trade References
  • Litigation History 
  • Enquiries Made On You

RAMCI Personal Credit Report
RAMCI Personal Credit Report

Gone are the days where it will take up a huge chunk of your time to head to Bank Negara, or any of those government financial institution, to request for an official credit report. You can get yours at RAMCI conveniently! Just visit www.mycreditinfo.com.my.




RAMCI Personal Credit Report
RAMCI's Website



I personally had mine done, which only required my IC, and probably less than 15 minutes of my time. It's so fast, efficient and easy. The RAMCI Personal Credit Report itself is pretty comprehensive, mine took up a whole four pages of information. Depending on your credit, and loans taken, it may go up to multiple pages or more. 


So What If You Know Your Credit Report?


Knowing my credit report is essential, to ensure I have a clean slate in the eyes of the bank. This enables me to have the capacity to take up another loan should I have the extra cash and have the need to invest. We all know financial planning is so important to ensure sustainability in the future, and what better investment than in properties. If my credit report shows problems, knowing and seeing it makes sure I can take steps to rectify it; paying future payments promptly and such.


i-Score : Understanding Your Credit With Ease


i-Score : Understanding Your Credit With Ease
i-Score : Understanding Your Credit With Ease 
A higher i-SCORE would mean you have a good credit record, and the bank loves you
A higher i-SCORE would mean you have a good credit record, and the bank loves you


i-SCORE made easy, it is a 3-digits numeric number that predicts how likely you are to pay back a loan or other credit obligations on time. The higher the score, the lower the risk you are to the lenders or credit grantors. Your i-Score is in your hand because it is based on your credit habit as captured in your credit report, meaning if you repay back your loans in a timely manner, it will reflect in the report. i-Score does not determine whether you are approved for credit, however, it only helps lenders makes the credit granting decision. 


Loan Application - Approved!
Loan Application - Approved!


You can get your i-SCORE with RAMCI’s Personal Credit Report Plus.  Once you know where you stand, then you can take measures to improve it. Some of the ways to improve the score would be as below. 

  • Check your credit report regularly for accuracy and pay your bills on time 
  • Do not have any overdue accounts or information such as bankruptcy and legal action on your credit report
  • Manage your balances on credit cards 
  • Apply for and open new credit accounts only when you need them
  • If you have missed payments, get current and stay current
  • Pay off debt rather than moving it between credit cards

Get your i-Score above 740 and get a risk grade of 10, and you're good to go!
Get your i-Score above 740 and get a risk grade of 10, and you're good to go!


Ms Dawn Lai, CEO of RAM Credit Information Sdn Bhd (RAMCI) was at hand during the talk I attended. She did advice, as I quote, "This is why we strongly encourage consumers to be proactive and know the critical importance of viewing their credit report at least once a year. Good credit management may also mean they are prepared for your next big investment decision"


Get Your Complimentary PCRP (Personal Credit Report Plus) Here!


Guess what? RAMCI has been so generous as they are offering 10 complimentary PCRP (Personal Credit Report Plus) worth RM10 each to you, my dear readers. The first 10 to email me at my email (isaac.tan@gmail.com) with the subject RAMCI Credit, will receive this complimentary report. So what are you waiting for? Act now before it's too late!





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