SMART Experian

Credit & Information Services

Experian helps organisations lend responsibly and protect themselves and their customers from risk.


The most accurate, efficient & secure way to verify the identity of your customers, suppliers & partners.

Automate your entire onboarding process by leveraging data & leading digital identity verification technology, powered by AI.


Protect and recover your business with CrediTrack.

Malaysia's leading online credit managemnt tool, trusted by SMEs. 24/7 online.


Critical payment insights for informed and actionable collection strategies.

Experian's Trade Bureau delivers intelligence into industry payment behaviour, helping SMEs to improve cash flow and reduce credit risk.

Personal Credit Report Plus

Understand and take control of your credit reputation.

Know your credit report and how lenders or the banks use it. We make it easy to understand and improve your credit status. Experian Personal Credit Report Plus is more than a report, it is your first step towards financial empowerment.


Protect your credit health.

JagaMyID provides you a peace of mind knowing that your identity is safe and you are in control of your own credit health. Receive timely alerts when someone applies for credit facilities using your name or if we detect any changes in your credit profile.

Experian 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.


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