2026 Free MyCTOS Report with CCRIS Promotion

Frequently Asked Questions

Q1 What is this promotion about?

This promotion offers ONE (1) Free MyCTOS Report with CCRIS to TNG eWallet users who access CTOS for the first time via the TNG eWallet app. To qualify, users must be new to CTOS and have never registered with CTOS on any platform.

Q2 What is the duration of this promotion?

The promotion period is from 1 January 2026 until 31 January 2026, both dates inclusive.

Q3 How will eligible users get their Free MyCTOS Report with CCRIS?

Eligible users will receive their Free MyCTOS Report with CCRIS (without Score) via email registered with TNG eWallet. The report can also be viewed directly within the eWallet app by tapping the CTOS Report icon. The free MyCTOS Report giveaway will be subject to CTOS’ absolute discretion.

Q4 How will I know if I’m eligible?
Users will have to confirm their email address and consent to share their Personal Data with CTOS. As shown in screens below. For more details on this Campaign, you can refer to the Campaign terms and conditions at https://www.touchngo.com.my/terms-conditions/2025-free-myctos-report-with-ccris-promotion/

Q5 What is in your Free MyCTOS Report with CCRIS?

It is a personal credit report that contains detailed information about your debt, account histories for credit cards and loans such as payment history, including any late payments, your credit limits or loan amounts, your account balances and credit inquiries. Legal cases and bankruptcies are also listed in a separate section of the credit report as well as directorships, business interests and non-bank debts (Trade Reference).

Q6 Why is it important for you to get the Free MyCTOS Report with CCRIS?

Banks and other lenders use this information as part of the credit evaluation process before approving any credit applications like credit cards and loans. Knowing what’s in your credit report will help you identify areas to fix so you can get higher chances of loan approval.

The importance of having a good credit report isn’t limited to financial products only. Potential landlords may also review your credit report to decide whether to rent their property to you or not. Some employers even check credit reports as part of the job application process.

Q7 Can non-Malaysian citizens get a Free MyCTOS Report with CCRIS?

Non-Malaysian citizens who reside in Malaysia and have credit facilities with financial institutions in Malaysia can get a Free MyCTOS Report.

Q8 What are other important terms and conditions of this Campaign that I should be aware of?

  1. Each eligible participant is entitled to a maximum of one (1) Free MyCTOS Report throughout the Campaign Period, regardless of the number of qualifying actions.

  2. Free MyCTOS Report is subject to availability and will be distributed on a first-come, first-served basis.

  3. CTOS reserves the right to disqualify any participant found to be tampering with the redemption process or violating any terms and conditions of the Campaign.

  4. CTOS reserves the right to amend, suspend, or terminate this campaign and its terms & conditions at any time without prior notice.

  5. All decisions made by CTOS regarding this campaign are final and binding. No correspondence will be entertained.