Credit & Information Services

Helping businesses make the most informed credit decisions

Gain better insights from the credit and business information of your customers – both businesses and consumers.

Experian Credit & Information Services, formerly known as RAM Credit Information (RAMCI), has established itself among Malaysia’s leading and trusted credit and business information bureaus in recent decades, and has a comprehensive database that has been built over the past 25 years. We were the first Credit Reporting Agency (CRA) in Malaysia to achieve International ISO 27001:2013 certification in January 2017.

Today, we help organisations lend responsibly and protect themselves and their customers from risk – sorting through information about the credit their customers applied for, whether or not their applications were successful, and how they paid the credit back. We also collaborate with associations and cooperatives to serve their members.

Our core capabilities include:

  • Credit score and ratings
  • International reports with ratings to over 200 countries
  • Instant access to Singaporean and Malaysian Company records
  • Business profiles of companies, directors and shareholders and business owners
  • Current and past shareholdings trace and listing of multiple addresses
  • Financial summaries and ratios, and latest audited financials
  • Real-time and instant access to banking payment information (also commonly known as CCRIS) from Bank Negara Malaysia (BNM)
  • Loan and salary deduction information of members from 90% of all cooperatives, Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA) in Malaysia
  • Comprehensive access to bankruptcy and wound-up companies
  • Court litigation cases
  • Automatic monitoring of adverse information and changes in legal, and/or business status
  • Millions of trade payment information records
  • Experian i-SCORE, credit scores and ratings that are robustly trained with local credit and trade records
  • Customer Due Diligence check for quick validation of individuals who are in the Enforcement, Sanctions, Politically Exposed People (PEP), and Adverse Media Listing, from more than 1,200 data sources across 130+ countries
  • Multi-factors eKYC solutions that help businesses to authenticate the identity of a person online, with fast and accurate process to facilitate digital customer onboarding

Facilitated by our portal CrediTrack, we turn this information into reports which are used by businesses such as financial institutions, law firms and government agencies. Decision makers across multinational corporations and the small and medium enterprises rely on our comprehensive database to make critical and time-driven decisions every day.

Find out more about Experian Credit & Information Services at

Our credit services offering in Malaysia was formerly operating as RAM Credit Information (RAMCI). Read about the RAMCI rebrand here.