You can find your credit score in a document called a credit report that’s prepared by a credit reporting agency. In Malaysia, there are a few different credit reporting agencies that prepare different types of credit reports. An example of a credit reporting agency is CTOS.

These reports contain different types of information about your credit history that banks will look at to figure out if you are a good person to lend to.

Read on to learn more about credit scoring, and what you can do to improve your credit score.