Why participate in CTOS eTR (electronic Trade Reference)?

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Effective Recovery

40% - 50% recovery rate in 2 Years

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Approximately RM250 million

Recovered in the last 2 years

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More than 5,000 Businesses

Actively participating since 2000

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Integrated with CTOS Credit Manager

Tapping into its widest network

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Alternative Option

To legal action and collection agency

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Strengthen Cashflow

Improve collection performance

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Largest Distribution

3 out of 4 credit reports generated by CTOS

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Cost Effective

Compared to legal action and collection agencies



Read Success Stories From Our Subscribers

"So far I have managed to recover a total of RM40,000 in bad debts."

Tee Han Hong (Director, You Sen Machinery Sdn Bhd)





"In the past 5 years, there have been an increasing number of bad debt collection challenges in the business. The amount of fraud cases that involved false identity and documentation escalated. We could no longer avoid being a CTOS subscriber."

Bill Lee Boon Piau (Executive Director, Makin Juta Sdn Bhd)





"Thanks to CTOS Credit Manager, I no longer have to worry about unnecessary risks in business. In addition to value we get from CTOS's real time monitoring, we have also managed to recover our old bad debts. There was an occasion when we had some trouble collecting long overdue payments. Our accounts department had made numerous calls to request for the payments, and letters of demand were issued and sent, but to no avail. This has changed with CTOS. We issued final warnings and told these parties that if they failed to settle the debts, we would resort to using CTOS for further action. To our surprise, they promptly contacted us and settled the outstanding payments."

Simon Tan Yu Chai (Executive Director, SH Advance Coatings Sdn Bhd)





"CTOS has enabled me to understand and monitor the creditworthiness of my current customers. CTOS also alerts me immediately if any of my customers have become a potential business risk. Thanks to Credit Manager, my old debts that have been lying dormant for a long time have been settled with minimum hassle. To summarise, I believe that prevention is better than cure, and CTOS has helped me conduct my business along that principle with their useful products and services."

Liau Wei Liang (Director, Titan Track Industries Sdn Bhd)


Need a Comprehensive Credit Management Solution?

CTOS Credit Manager is Malaysia's No. 1 Credit Management Solution, trusted by leading banks and businesses in Malaysia

Find out how CTOS can help your business today.


Established in 1990, CTOS is Malaysia's leading Credit Reporting Agency (CRA) under the ambit of the Credit Reporting Agencies Act 2010.

At CTOS, we facilitate credit extensions by empowering individuals and businesses with access to crucial information at greater ease and speed.


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