Credit Bureau Malaysia

What Credit Bureau Malaysia does

Credit Bureau Malaysia Sdn Bhd (CBM), incorporated in 2008 and formerly known as SME Credit Bureau (M) Sdn Bhd, is Malaysia's first and only credit reporting agency with direct access to Bank Negara Malaysia's Central Credit Reference Information System (CCRIS). CBM is jointly owned by Sunway Group and Credit Guarantee Corporation Malaysia Berhad (CGC), with CGC itself being owned by the Malaysian central bank and commercial banks — an ownership structure that links the company to both the regulator and the banking sector. CBM operates as a licensed credit reporting agency under the Credit Reporting Agencies Act 2010 (Act 710) and is regulated by the Registrar of Credit Reporting Agencies under the Ministry of Finance. It serves individual consumers, SMEs, corporates, landlords, banks, insurance companies, and other credit providers across Malaysia, with a stated focus aligned to the National Strategy for Financial Literacy 2026–2030 and on financial inclusion for gig workers and micro-entrepreneurs.

The company's product set is organized around a unified credit scoring and reporting platform, MySCoRE, which spans MyScore (individual credit reports and scores) and MyBizScore (business credit reports with probability of default). On top of this, CBM offers CBM CreditPro for enterprise credit assessment and monitoring, RentGuard for tenant screening, SSM Documents for company verification via the Suruhanjaya Syarikat Malaysia registry, and UBO (Ultimate Beneficial Owner) reports for KYC compliance. The underlying technology aggregates CCRIS banking data, SSM registry data, trade credit references, litigation records, and up to five years of financial statements into proprietary 0–100 scoring models. Distribution is multi-channel: a CBM+ mobile app (iOS, Google Play, Huawei AppGallery), the creditbureau.com.my website, the CBM Business Directory, the enterprise subscriber portal, and integrations with the Grab super-app, the MYEG digital services portal, and Sunway Multicare Pharmacy's 115+ retail locations.

CBM's commercial model is a hybrid of consumer pay-per-report and B2B enterprise subscription. Individual MyScore reports sell for RM18 (RM19.44 with SST), MyBizScore at RM30 (RM32.40 with SST), SSM reports at RM15.40, and comprehensive company profile reports at RM90, transacted through self-serve digital channels. Enterprise subscribers — including financial institutions, insurance companies, and large corporates — access credit reports, UBO reports, and a separate Credit Monitoring Service (CMS) under postpaid and prepaid subscription agreements with monthly billing. The company also reports 20+ years of operating history, a stated 1,300+ completed projects, a 98% claimed customer satisfaction rate, and a database covering 10 million+ Malaysian companies and businesses sourced directly from SSM. Revenue and headcount figures beyond the 11–50 employee band are not publicly disclosed.

Name

Credit Bureau Malaysia

Legal name

Credit Bureau Malaysia Sdn Bhd

Website

https://www.creditbureau.com.my/

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Credit Bureau Malaysia is the country's first and only credit reporting agency with direct CCRIS access, providing individual and business credit reports (MyScore, MyBizScore), enterprise risk tools (CBM CreditPro), and KYC/UBO services to consumers, SMEs, banks, and corporates, distributed through its CBM+ app, Grab, MYEG, and enterprise subscriber portal.

Ownership category

akta.pro rank

Headquarters

HQ city

Selangor

HQ country

Malaysia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Individual Credit Report Sales (MyScore): CBM sells individual credit reports (MyScore) directly to consumers at RM18 per report (RM19.44 after 8% SST). Reports include individual credit score, CCRIS banking information, trade reference information, and litigation information. Purchased via CBM+ app, website, or partner platforms.
2. Business Credit Report Sales (MyBizScore): CBM sells business credit reports (MyBizScore) to entrepreneurs and SMEs at RM30 per report (RM32.40 after SST). Reports include business/company credit score, SSM registry and up to 5 years of financial statements, and shareholding/directorship information.
3. SSM Document / Company Profile Reports: CBM Business Directory sells SSM reports (RM15.40 with SST) and comprehensive company/business profile reports (RM90) with up to 5 years of financial statements and ratios. Revenue is per-transaction, with contact-us-based onboarding for credit reports requiring consent documentation.
4. Enterprise Subscriber Services: CBM provides credit reporting services to financial institutions, banks, insurance companies, and businesses under subscriber agreements. Subscribers pay fees for retrieval of credit reports and other charges. Available on postpaid, prepaid, and other subscription bases with monthly/annual billing. Credit monitoring service (CMS) subscription with separate fees and charges is also offered to enterprise subscribers.
5. UBO (Ultimate Beneficial Owner) Reports: CBM provides UBO reports for compliance and KYC purposes, sold as a B2B service to enterprise clients requiring beneficial ownership verification.
6. RentGuard: CBM offers RentGuard as a rental risk management product, enabling landlords and property managers to assess tenant creditworthiness as part of rental application processes.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels10 records

Core offering

Credit Bureau Malaysia (CBM) is Malaysia's first credit reporting agency, providing individual and business credit reports and scores. It aggregates CCRIS banking data, trade reference data, SSM registry data, and litigation information to produce MyScore (individual, 0-100 scale) and MyBizScore (business) credit assessments. CBM serves both consumers (direct purchase via app/website) and enterprise subscribers (banks, insurers, credit providers) through a dedicated subscriber portal.

Product overview

Credit Bureau Malaysia operates as a credit reporting agency offering a unified platform for credit information services. The core offering consists of MySCoRE (encompassing MyScore for individuals and MyBizScore for businesses), complemented by CBM CreditPro™ for enterprise credit risk management. Additional services include SSM Documents for company verification, UBO Reports for compliance, and RentGuard for rental credit checks. Products are accessible via web portal, subscriber access platform, and CBM+ mobile app.

Differentiator

Problem solved

Functional benefit

Brands

• MyScore: Individual credit score and report service for personal credit assessment
• MyBizScore
• CBM CreditPro
• RentGuard
• SSM Documents
• UBO Reports
• CBM+ App
• CBM Business Directory

Products and services

• MyScore
• MyBizScore
• CBM CreditPro
• RentGuard
• SSM Documents
• Ultimate Beneficial Owner (UBO) Reports
• CBM Business Directory
• Enterprise Subscriber Services
• CBM+ Mobile Application Mobile app available on iOS App Store, Google Play, and Huawei AppGallery enabling consumers and SMEs to purchase credit reports, track financial health, and receive credit monitoring alerts on the go.

Quantifiable outcome

• 98% Customer Satisfaction
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• GrabcoreChannel Partner/ Reseller/ Distributor · 16 February 2026Grab has partnered with CBM to enable Malaysians to check their credit reports directly through the Grab app, providing access to CBM's MyScore Report without requiring a separate download. This is CBM's first partnership with a Malaysian super-app platform. The integration aligns with Malaysia's National Strategy for Financial Literacy 2026 to 2030 and is designed to benefit gig workers, micro-entrepreneurs, and younger earners who may have limited visibility into their credit health.
• Confirmis Holdings Pte LtdminorStrategic or Co-development Partner · 9 October 2024CBM signed a Memorandum of Collaboration with Singapore-based Confirmis Holdings to enhance global business verification and due diligence offerings. Combining CBM's local credit reporting capabilities with Confirmis' global site verification network (3,000+ trained site verifiers, 2,000 in Southeast Asia) and 'Uberised' interview methodology (30%+ higher success rate vs conventional telephone interviews). Both companies share a commitment to responsible business practices and financial transparency, aiming to increase awareness about verified data value in the interconnected business landscape.
• Sunway Multicare PharmacycoreStrategic or Co-development Partner · 28 August 2024CBM and Sunway Multicare Pharmacy (115+ locations nationwide) signed a Memorandum of Collaboration (MOC) to jointly promote financial and physical health awareness. The partnership highlights the use of the CBM+ app for convenient credit health checks alongside pharmacy health services. Both organizations cross-promote to strengthen brand awareness and advocate for holistic well-being combining financial and physical health.
• MY E.G. Services Bhd (MYEG)coreChannel Partner/ Reseller/ Distributor · 4 July 2024MYEG and CBM entered a collaboration agreement to offer self-check services for individual credit reports via CBM's MySCoRE accessible through the MYEG portal. MYEG users gain an additional avenue to easily and conveniently access and review their credit reports and scores, consolidating access to important financial/credit information on one platform. CBM reaches MYEG's established user base for enhanced financial inclusion.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Experian plc: Experian is a global credit bureau and information services company offering consumer and business credit reporting, analytics, and decisioning. It is comparable to CBM in product category (credit reports and scores) and customer base (banks, lenders, consumers) but operates at vastly greater global scale.
• TransUnion: TransUnion is a global credit bureau and information company providing credit reports, scores, and risk analytics. It is comparable to CBM in core credit reporting and scoring products and shared B2B customer base of financial institutions, though TransUnion operates globally.
• Dun & Bradstreet: Dun & Bradstreet is a global provider of business decisioning data and analytics, including business credit reports, SSM-style company registry data, and UBO/KYC information. It is comparable to CBM's MyBizScore, UBO Reports, and SSM Documents product line, though at much greater global scale.
• CRIF S.p.A. CRIF is an Italian-based global credit bureau and business information provider operating in 40+ countries. It is comparable to CBM in providing consumer/business credit reports, scoring, and credit bureau services, including in several Asian markets.
• Equifax Inc. Equifax is a global data, analytics, and technology company providing consumer and business credit information. It is comparable to CBM as a credit bureau serving financial institutions and consumers, but operates across 24+ countries at much greater scale.

Emerging players

• Creditinfo Group: Creditinfo operates credit bureaus and decision-support services in emerging markets across Europe, Asia, and Africa. It is comparable to CBM in single-country licensed credit bureau operations and consumer/business credit reporting, with similar focus on financial inclusion.
• GBG (GB Group plc): GBG provides identity verification, fraud prevention, and location/AML compliance solutions globally, with strong APAC presence. It is comparable to CBM in serving B2B customers (banks, lenders, fintechs) for credit and KYC decisions, with overlap in UBO/compliance offerings.

Others

• Confirmis Holdings Pte Ltd: Confirmis is a Singapore-based business verification and site visit company with 3,000+ trained verifiers across Southeast Asia. It is comparable to CBM as a B2B partner in due diligence and KYC, with which CBM has a strategic partnership (MOC signed Oct 2024) for global business verification.

Direct peers

• CTOS Data Systems Sdn Bhd: CTOS is Malaysia's incumbent and leading credit reporting agency, directly competing with CBM in both consumer credit reports and enterprise subscriber services. The two operate as the primary licensed CRAs under Act 710, with CTOS having a longer operating history and stronger enterprise footprint.

Regional players

• Business Credit Bureau (RAMCI Holdings): RAMCI provides business credit reports and ratings in Malaysia, operating within the broader RAM Group. It is comparable to CBM's MyBizScore product line for business credit risk assessment, but with a stronger focus on corporate ratings rather than SME/microcredit bureau services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@creditbureaumalaysia2913
• Facebookfacebook.com/creditbureaumy
• LinkedInlinkedin.com/company/cbmcreditpositve
• Instagraminstagram.com/creditbureaumalaysia

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Bureau Malaysia