Frequently Asked Questions
Who is RAM Credit Information Sdn Bhd (RAM Credit Info)?
RAM Credit Info is a trusted and professionally run credit reference agency which provides business and
credit information on companies, businesses and individuals.
How established is RAM Credit Info as an information specialist?
RAM Credit Info has strong domain knowledge in managing large information database. Its database has been
continuously assembled over the past 20 years. RAM Credit Info also has a good understanding of the
information needs of business and individual public. Coupling with the high level of database management skills,
RAM Credit Info assures customers of the reliability, quality, efficiency and the speed of delivery of information.
What type of information does a credit information report provide?
A credit information report is a factual record on companies, businesses and individuals in terms of their
credit profile and past history such as any litigation cases, bankruptcy cases, winding-up petitions, negative
Where does RAM Credit Info obtain the credit and business information?
RAM Credit Info obtains all the relevant information from the Statutory Bodies, Subscribers and supplements
it from other sources such as newspapers, courts, government gazettes and etc. It will create a truly
comprehensive snapshot of a subject's present and past track record. RAM Credit Info places high values
and emphasis on data integrity therefore all information is gathered only through authorised sources from
both public and private domains.
Who are the customers of RAM Credit Info?
RAM Credit Info customers include financial institutions and business corporations from all trade industries
who have a need to extend credit to their clients, understand the creditability of their business partners /
suppliers or doing pre-employment screening on their potential employees.
Can RAM Credit Info provide companies/business information for countries outside of Malaysia?
Through its shareholder DP Information Network, Singapore information is easily available online through
RAM Credit Info’s information system. In addition, RAM Credit Info also provides information coverage in
various overseas countries. Please contact RAM Credit Info’s customer service at 03 -2615 1128 for further
What are the benefits of using credit information?
The benefits are:
- to help credit grantors to minimize business risk,
- to avoid delinquent paymaster,
- to weed out wound-up companies and adjudged bankrupts, and
- to support business expansion by identifying credit worthy prospect customers.
When is a credit facility classified as default?
RAM Credit Info does not classify any account or individual as defaulter. In general, a credit facility
is classified as default when the debtor fails to make its payment when it is due. However it is the
jurisdiction of the creditors to define when the credit facility classified as default. Each creditor
has its own set of definition.
What is the difference between the reports from RAM Credit Info and the statutory reports from Companies
Commission of Malaysia?
In additional to statutory information, RAM Credit Info provides additional information such as number of
enquiries by subscribers for the past 5 years, interest in other companies or businesses and credit history
on any litigation cases, winding up petitions and trade reference.. In a nutshell, RAM Credit Info provides
a more complete picture of the companies or businesses so that our customers make better decisions.
What other services does RAM Credit Info provide?
Apart from the online credit search service, RAM Credit Info also provides monitoring services on credit
standing and business changes to help our customers to manage their customers’ credit risks.
RAM Credit Info also has an independent platform namely Trade Bureau to allow customers to share their
customers’ payment information as a trade reference, with the aim of weeding out fraudsters or delinquent
paymasters. Trade Bureau promotes healthy payment behaviour amongst companies/individuals and proven to
be an effective debt recovery tool.
What type of information is in an Individual credit report?
The credit report will provide the following details:
- Your Full Name
- Identity Number
- Last Known Addresses
- Statutory records on bankruptcy, litigation cases and defaulter records
- Number of enquiries made by different Subscribers
- Shareholding/director interest in companies or businesses
What type of information is not included in an Individual credit report?
RAM Credit Info report does not contain the following:
- Personal income details
- Amount deposited with the Bank
- Details of assets and liabilities
Can I obtain my own credit information from RAM Credit Info?
With the "Self Check Program", individuals can check own credit status and to ensure that the
credit information is accurate and updated. Required form can be downloaded from RAM Credit Info
website. You can come to RAM Credit Info office, filling up the Self Check form and present with
your Identity Card. A credit report will be printed for your verification.
If I have detected inaccurate information reported on me, how do I correct the information?
You are required to contact RAM Credit Info immediately and submit the necessary documentary proof.
We will be responsible to verify and update the information accordingly.