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    Hi, Thank you for mana MyCreditInfo website. Any credit given mana us by you online collected by us during your online of the Site is mana in accordance with the terms credit our Privacy Credit. We take online privacy very seriously and aim to comply with the relevant local data protection legislation. Penafian Jaminan dan Liabiliti 7. Don't have an account yet? Dalam keadaan tertentu EIS boleh mendedahkan Maklumat Peribadi anda kepada mana-mana orang yang Kami diminta untuk melakukannya oleh undang-undang atau perintah undang-undang lain atau Kami secara munasabah percaya bahawa penggunaan atau pendedahan maklumat itu wajar untuk satu atau lebih aktiviti berkaitan penguatkuasaan yang dilakukan oleh atau bagi pihak badan penguatkuasaan.

    Credit online in mana

    Online also use mana set by credit sites to help us deliver content from their online. Experian does mana guarantee that mana Website will be online from viruses, or that access to the Website will be uninterrupted. Credit tidak credit jaminan atau pernyataan, tersurat atau tersirat, berkenaan dengan produk, bahan atau laman web pihak ketiga tersebut. In general, we aim to respond to all complaints promptly and in any event in less than 21 working days. To ensure that we maintain the standards we have set for security and that we comply with our obligations in relation to the storage and handling of your Personal Information, EIS requires all of its employees to complete regular training in relation to the handling of Personal Information and the application of our security policies. Sekiranya pihak ketiga Kami berada di luar Malaysia, Kami mungkin akan mendedahkan dan memindahkan Maklumat Peribadi anda di luar Malaysia, tetapi selalu memastikan mematuhi undang-undang perlindungan data tempatan dan asing.

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    Why do we collect Personal Mana and how do we credit it? Mana termasuk tetapi online terbatas pada mengakses data dan maklumat online tidak credit untuk Credit atau mana ke online atau akaun, yang tidak diizinkan oleh Pengguna untuk mengakses, berusaha menyelidiki, mengimbas atau menguji kerentanan sistem atau rangkaian atau berusaha melanggar keamanan atau langkah pengesahan tanpa kebenaran yang betul. Signing in will also activate your personal tax account - you can use this to check and manage your HMRC records. To help us improve GOV. Experian will not be liable to User or any third party if Experian refuses to furnish User's Credit Report for the above reason. Simply follow the unsubscribe process or directions provided in the email.

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    Credit online in mana

    Sebagai tambahan, jika akaun Pengguna dibatalkan oleh Experian kerana melanggar Syarat Penggunaan ini atau undang-undang dan peraturan apa pun, semua pembayaran yang dibuat kepada Experian tidak dapat dikembalikan sepenuhnya. Kegagalan untuk memenuhi syarat dalam jangka masa yang ditetapkan akan menjadikan akaun Pengguna tidak sah. Semua Hak Kekayaan Intelektual dalam semua kandungan dan bahan yang terdapat dalam Laman Web dan Perkhidmatan ini yang terdapat di Laman Web adalah milik Experian atau pemberi lesen yang berkatan.

    Kecuali untuk penggunaan peribadI dan bukan komersial Pengguna, tidak ada bahagian kandungan dan bahan di Laman Web yang dapat disalin, diterbitkan semula, disesuaikan, dimuat naik ke pihak ketiga, dihubungkan ke, dibingkai, diedarkan, dihantar atau dieksploitasi secara komersial dalam bentuk apa pun oleh mana-mana proses tanpa persetujuan bertulis khusus dari Experian.

    Kami memandang serius privasi anda dan bertujuan untuk mematuhi undang-undang perlindungan data tempatan yang berkuasa. Segala maklumat yang diberikan kepada kami oleh anda atau dikumpulkan oleh kami semasa penggunaan Laman web anda digunakan bersesuaian dengan syarat Pernyataan Privasi kami. Laman web mungkin mengandungi pautan atau rujukan ke produk, bahan atau laman web yang disediakan oleh pihak ketiga yang bebas. Pautan ini disediakan untuk kemudahan anda untuk memberikan maklumat lebih lanjut dan bukan merupakan bentuk cadangan, sokongan atau penerbitan produk, bahan atau laman web pihak ketiga tersebut oleh Experian.

    Experian tidak memberikan jaminan atau pernyataan, tersurat atau tersirat, berkenaan dengan produk, bahan atau laman web pihak ketiga tersebut. Semua Perkhidmatan dan Maklumat disediakan berdasarkan "sebagaimana adanya" dan "sebagaimana sedia ada".

    Experian tidak menjamin ketepatan masa, mata wang, ketepatan, kelengkapan atau kesesuaian untuk tujuan tertentu dari Perkhidmatan atau Maklumat yang diberikan. Experian tidak menjamin bahawa Laman Web akan bebas dari virus, atau bahawa akses ke Laman Web tidak akan terganggu. Tertakluk kepada tanggungjawab yang disiratkan oleh undang-undang dan yang tidak dapat dikecualikan, Experian tidak akan bertanggungjawab kepada Pengguna atas segala kerugian, kerosakan, liabiliti, tuntutan dan perbelanjaan termasuk tetapi tidak terhad kepada kos undang-undang dan pembelaan atau penyelesaian apa pun yang timbul daripada atau dirujuk kepada Perkhidmatan dan Maklumat yang diberikan, sama ada dalam kontrak, kesalahan termasuk kecuaian, undang-undang atau sebaliknya.

    Sekiranya mana-mana bahagian dari Syarat Penggunaan ini didapati tidak sah atau tidak dapat dilaksanakan oleh Mahkamah atau badan lain yang berwibawa, keabsahan atau ketidakberlakuan tersebut tidak akan mempengaruhi ketentuan lain dari Syarat Penggunaan ini dan peruntukan lain tersebut akan terus berkuatkuasa.

    Syarat-syarat Penggunaan ini dan semua perkara yang timbul darinya akan diatur oleh, dan ditafsirkan sesuai dengan, undang-undang Malaysia. Mahkamah Malaysia mempunyai bidang kuasa eksklusif atas setiap tuntutan atau perkara yang mungkin timbul daripada atau berkaitan dengan Syarat Penggunaan ini. Syarat Penggunaan ditulis dalam bahasa Inggeris dan Bahasa Malaysia. Sekiranya terdapat percanggahan antara versi Bahasa Inggeris dan versi Bahasa Malaysia, versi Bahasa Inggeris akan berlaku.

    It also describes how you can access and update your Personal Information. We collect your Personal Information when you create an account on the Website, log in to your account on the Website or otherwise interact with Us, purchase Services using the Website, participate in any activity on our Website or subscribe to our publications or marketing materials. We also collect your Personal information from publicly available sources and from third parties.

    You may at any time contact our Consumer Support at or via email info[ ]mycreditinfo. Also, along with every e-mail marketing communication sent to you, We provide you the opportunity to discontinue receiving future marketing communications i.

    Simply follow the unsubscribe process or directions provided in the email. Under certain circumstances EIS may disclose your Personal Information to any person to whom We are required to do so by law or other legal order or we reasonably believe that the use or disclosure of the information is reasonably necessary for one or more enforcement related activities conducted by or on behalf of an enforcement body.

    We may also disclose your Personal Information to the general public when you become a winner in a contest by publishing your name, photographs and other Personal Information without compensation for advertising and publicity purposes. Disclosure of your Personal Information to third parties is always subject complying with all laws and regulations applicable to EIS and third parties mentioned above.

    In circumstances where we disclose Personal Information, we generally retain control of that information. We can therefore ensure that the Personal Information we disclose is used only in accordance with this Privacy Statement and in accordance with the requirements of the Malaysia Personal Data Protection Act and other applicable data protection laws and regulations.

    In instances where our third parties are located outside of Malaysia, we may disclose and transfer your Personal Information outside of Malaysia, but always ensuring to adhere to the local and foreign data protection laws. As a global leader in the management of data, EIS recognizes and acknowledges the importance of keeping the Personal Information and data that it holds, secure and protected from unauthorized access.

    To do this, EIS utilizes industry standard security and encryption processes and technology to ensure that access to your Personal Information is only provided to those employees who need to have access in order to perform their role. We may be obliged to disclose Personal Information we hold to law enforcement agencies. In such circumstances, the use and security of that information is determined by the rules governing the relevant agency.

    To ensure that we maintain the standards we have set for security and that we comply with our obligations in relation to the storage and handling of your Personal Information, EIS requires all of its employees to complete regular training in relation to the handling of Personal Information and the application of our security policies.

    We will also regularly review this policy and assess our performance against it to ensure we are meeting and continue to meet our obligations under the Malaysian Personal Data Protection Act You have the right to request for access to and correction of your personal information held by Us and in this respect, you may:.

    In general, we aim to respond to all complaints promptly and in any event in less than 21 working days. We aim to act promptly and reasonably in resolving any complaints. There are some circumstances, for example, where the matter is complex, or the resolution relates to a product with a long update cycle, where we may require additional time to resolve an issue or to implement a correction.

    There are certain limited circumstances permitted under the Malaysian Personal Data Protection Act in which we may decline to permit access to the Personal Information we hold or we may decline to apply a correction to that Personal Information which you have requested. In such circumstances, you may require that we note that a request for access or correction has been refused by us.

    Generally, we are happy to provide details of the Personal Information we hold free of charge. However, to the extent permissible under law, we reserve the right to charge a nominal fee if applicable to commensurate with our costs of extraction and collation of Personal Information where significant work is involved.

    We will require you to adequately identify yourself when requesting a copy of your Personal Information. We use cookies so that we can give you a better experience when you return to our web site. Most web browsers automatically accept cookies. You do not have to accept cookies, and you should read the information that came with your browser software to see how you can set up your browser to notify you when you receive a cookie, this will give you the opportunity to decide whether to accept it.

    If you disable cookies from your browser, you may not be able to access certain features of a particular website. Ini juga menerangkan bagaimana anda dapat mengakses dan mengemas kini Maklumat Peribadi anda. Untuk maklumat lebih lanjut mengenai Kumpulan Experian, sila lawati laman web kumpulan di www. Kami mengumpulkan Maklumat Peribadi anda semasa anda membuat akaun di Laman Web, log masuk ke akaun anda di Laman Web Kami, semasa berinteraksi dengan Kami, membeli Perkhidmatan menggunakan Laman Web, mengambil bahagian dalam sebarang aktiviti di Laman Web kami atau melanggan penerbitan atau bahan pemasaran Kami.

    Kami juga mengumpulkan maklumat Peribadi anda dari sumber umum yang tersedia dan daripada pihak ketiga. Anda pada bila-bila masa boleh menghubungi Sokongan Pelanggan Kami di atau melalui e-mel info[ ]mycreditinfo.

    Juga, bersama dengan setiap komunikasi pemasaran e-mel yang dikirimkan kepada anda, Kami memberi anda peluang untuk berhenti menerima komunikasi pemasaran di masa depan iaitu, berhenti berlangganan Cukup ikuti proses berhenti melanggan atau arahan yang diberikan dalam e-mel.

    Untuk membolehkan pengembangan dan penyediaan Perkhidmatan kepada anda, EIS mungkin perlu mendedahkan Maklumat Peribadi anda kepada:. Dalam keadaan tertentu EIS boleh mendedahkan Maklumat Peribadi anda kepada mana-mana orang yang Kami diminta untuk melakukannya oleh undang-undang atau perintah undang-undang lain atau Kami secara munasabah percaya bahawa penggunaan atau pendedahan maklumat itu wajar untuk satu atau lebih aktiviti berkaitan penguatkuasaan yang dilakukan oleh atau bagi pihak badan penguatkuasaan.

    Kami juga boleh mendedahkan Maklumat Peribadi anda kepada masyarakat umum apabila anda menjadi pemenang dalam peraduan dengan menerbitkan nama, gambar dan Maklumat Peribadi anda yang lain tanpa pampasan untuk tujuan pengiklanan dan publisiti. Pendedahan Maklumat Peribadi anda kepada pihak ketiga selalu mematuhi semua undang-undang dan peraturan yang berlaku untuk EIS dan pihak ketiga yang disebutkan di atas. Dalam keadaan di mana Kami mendedahkan Maklumat Peribadi, Kami biasanya mengawal maklumat tersebut.

    Oleh itu, Kami dapat memastikan bahawa Maklumat Peribadi yang Kami dedahkan hanya digunakan sesuai dengan Dasar Privasi ini dan sesuai dengan kehendak Akta Perlindungan Data Peribadi Malaysia dan undang-undang dan peraturan perlindungan data lain yang berlaku.

    Sekiranya pihak ketiga Kami berada di luar Malaysia, Kami mungkin akan mendedahkan dan memindahkan Maklumat Peribadi anda di luar Malaysia, tetapi selalu memastikan mematuhi undang-undang perlindungan data tempatan dan asing. Sebagai peneraju global dalam pengurusan data, EIS menyedari dan mengakui pentingnya menjaga Maklumat Peribadi dan data yang dipegangnya, dilindungi dan dilindungi dari akses yang tidak dibenarkan. Untuk melakukan ini, EIS menggunakan proses dan teknologi penyulitan dan penyulitan standard industri untuk memastikan bahawa akses ke Maklumat Peribadi anda hanya diberikan kepada pekerja yang perlu mempunyai akses untuk melaksanakan peranan mereka.

    Kami mungkin diwajibkan untuk mengungkapkan Maklumat Peribadi yang Kami simpan kepada agensi penegak undang-undang. Dalam keadaan seperti itu, penggunaan dan keamanan maklumat tersebut ditentukan oleh peraturan yang mengatur agensi yang berkenaan.

    Untuk memastikan bahawa Kami mengekalkan standard yang telah Kami tetapkan untuk keselamatan dan bahawa Kami mematuhi kewajiban Kami berkaitan dengan penyimpanan dan pengendalian Maklumat Peribadi anda, EIS menghendaki semua pekerjanya untuk menyelesaikan latihan berkala berkaitan dengan pengendalian Maklumat Peribadi dan penerapan dasar keselamatan Kami.

    The annual subscription In addition to the free reports, the annual subscription includes the full interactive report; information on your credit rating. Credit Information Bureau is a company which holds a licence issued by the Data State Inspectorate for services related to storage of credit histories of private individuals and companies, data processing, preparation of credit reports, calculation of credit rating and credit standing, monitoring of private individuals and companies.

    Through the bureau, private individuals may find out their credit standing data, keep track of the changes, and monitor their credit history.

    Credit history of private individual consist of two parts — presentation of the current credit liabilities and the history of payments. A bad credit history occurs due to delayed or overdue payments — delayed credit payments, outstanding telecommunication, public utility, or other payments. Individuals with a bad credit history cannot receive new credits or face difficulties in enjoying good or flexible terms and conditions when applying for new loans.

    History of debts outstanding — for 10 years, history of cleared debts — for 5 years, insolvency data and tax arrears are stored in the system for as long as they are available at the Registry of Enterprises or the State Revenue Service. There is no term fixed for positive information, and each individual may decide whether to provide data regarding the duly effected payments in their credit history.

    The information about your outstanding and cleared debts can be requested only under the provisions of the Personal Data Protection Act. Legal entities require your consent to be able to check your data, as no one may request any information about you from either the Credit Information Bureau or any other register in case such consent has not been obtained. For this reason, it is important that you monitor the statistics for the visits of your credit history profile.

    In case you have any doubts with regard to any queries for your data, do feel free to address the party which has requested your information to find out the reason. You can monitor your credit history by registering on www. If you wish to receive information about the debts registered on your name, we recommend that you register on www.

    If you believe that the database of the Credit Information Bureau includes incorrect information, you need to submit a written objection to the Credit Information Bureau or the respective creditor in whose data the error has been found. As soon as you receive an official written response with a confirmation of the error, we shall be entitled to update the data in your credit history or remove the data from it.

    The interval between the time of the payment and the time of update of the information in the database by the creditor shall not be considered as an error. The Credit Information Bureau implements all the respective technical solutions and takes all the organisational measures in order to protect personal data against unintentional or unlawful destruction, alteration, or disclosure, and against any other unlawful data processing.

    Skip to main content. Brexit Check what you need to do. Home Benefits Tax credits. You can use any 2 of the following: your tax credit claim details your P60 one of your 3 most recent payslips your UK passport details information held on your credit file such as loans, credit cards or mortgages details from your Self Assessment tax return in the last 3 years Signing in will also activate your personal tax account - you can use this to check and manage your HMRC records.

    Renewing your tax credits You can no longer use this service to renew your tax credits for the to tax year. Related content Tax credits calculator Report changes that affect your tax credits. Explore the topic Tax credits. Is this page useful? Maybe Yes this page is useful No this page is not useful.

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    In such circumstances, you may require that we note that a request for access or correction has been refused by us. Generally, we are happy to provide details of the Personal Information we hold free of charge. However, to the extent permissible under law, we reserve the right to charge a nominal fee if applicable to commensurate with our costs of extraction and collation of Personal Information where significant work is involved.

    We will require you to adequately identify yourself when requesting a copy of your Personal Information. We use cookies so that we can give you a better experience when you return to our web site. Most web browsers automatically accept cookies. You do not have to accept cookies, and you should read the information that came with your browser software to see how you can set up your browser to notify you when you receive a cookie, this will give you the opportunity to decide whether to accept it.

    If you disable cookies from your browser, you may not be able to access certain features of a particular website. Ini juga menerangkan bagaimana anda dapat mengakses dan mengemas kini Maklumat Peribadi anda. Untuk maklumat lebih lanjut mengenai Kumpulan Experian, sila lawati laman web kumpulan di www. Kami mengumpulkan Maklumat Peribadi anda semasa anda membuat akaun di Laman Web, log masuk ke akaun anda di Laman Web Kami, semasa berinteraksi dengan Kami, membeli Perkhidmatan menggunakan Laman Web, mengambil bahagian dalam sebarang aktiviti di Laman Web kami atau melanggan penerbitan atau bahan pemasaran Kami.

    Kami juga mengumpulkan maklumat Peribadi anda dari sumber umum yang tersedia dan daripada pihak ketiga. Anda pada bila-bila masa boleh menghubungi Sokongan Pelanggan Kami di atau melalui e-mel info[ ]mycreditinfo. Juga, bersama dengan setiap komunikasi pemasaran e-mel yang dikirimkan kepada anda, Kami memberi anda peluang untuk berhenti menerima komunikasi pemasaran di masa depan iaitu, berhenti berlangganan Cukup ikuti proses berhenti melanggan atau arahan yang diberikan dalam e-mel.

    Untuk membolehkan pengembangan dan penyediaan Perkhidmatan kepada anda, EIS mungkin perlu mendedahkan Maklumat Peribadi anda kepada:. Dalam keadaan tertentu EIS boleh mendedahkan Maklumat Peribadi anda kepada mana-mana orang yang Kami diminta untuk melakukannya oleh undang-undang atau perintah undang-undang lain atau Kami secara munasabah percaya bahawa penggunaan atau pendedahan maklumat itu wajar untuk satu atau lebih aktiviti berkaitan penguatkuasaan yang dilakukan oleh atau bagi pihak badan penguatkuasaan.

    Kami juga boleh mendedahkan Maklumat Peribadi anda kepada masyarakat umum apabila anda menjadi pemenang dalam peraduan dengan menerbitkan nama, gambar dan Maklumat Peribadi anda yang lain tanpa pampasan untuk tujuan pengiklanan dan publisiti.

    Pendedahan Maklumat Peribadi anda kepada pihak ketiga selalu mematuhi semua undang-undang dan peraturan yang berlaku untuk EIS dan pihak ketiga yang disebutkan di atas. Dalam keadaan di mana Kami mendedahkan Maklumat Peribadi, Kami biasanya mengawal maklumat tersebut. Oleh itu, Kami dapat memastikan bahawa Maklumat Peribadi yang Kami dedahkan hanya digunakan sesuai dengan Dasar Privasi ini dan sesuai dengan kehendak Akta Perlindungan Data Peribadi Malaysia dan undang-undang dan peraturan perlindungan data lain yang berlaku.

    Sekiranya pihak ketiga Kami berada di luar Malaysia, Kami mungkin akan mendedahkan dan memindahkan Maklumat Peribadi anda di luar Malaysia, tetapi selalu memastikan mematuhi undang-undang perlindungan data tempatan dan asing.

    Sebagai peneraju global dalam pengurusan data, EIS menyedari dan mengakui pentingnya menjaga Maklumat Peribadi dan data yang dipegangnya, dilindungi dan dilindungi dari akses yang tidak dibenarkan. Untuk melakukan ini, EIS menggunakan proses dan teknologi penyulitan dan penyulitan standard industri untuk memastikan bahawa akses ke Maklumat Peribadi anda hanya diberikan kepada pekerja yang perlu mempunyai akses untuk melaksanakan peranan mereka.

    Kami mungkin diwajibkan untuk mengungkapkan Maklumat Peribadi yang Kami simpan kepada agensi penegak undang-undang. Dalam keadaan seperti itu, penggunaan dan keamanan maklumat tersebut ditentukan oleh peraturan yang mengatur agensi yang berkenaan. Untuk memastikan bahawa Kami mengekalkan standard yang telah Kami tetapkan untuk keselamatan dan bahawa Kami mematuhi kewajiban Kami berkaitan dengan penyimpanan dan pengendalian Maklumat Peribadi anda, EIS menghendaki semua pekerjanya untuk menyelesaikan latihan berkala berkaitan dengan pengendalian Maklumat Peribadi dan penerapan dasar keselamatan Kami.

    Kami juga akan mengkaji semula polisi ini secara berkala dan menilai prestasi Kami terhadapnya untuk memastikan Kami memenuhi dan terus memenuhi tanggungjawab Kami di bawah Akta Perlindungan Data Peribadi Malaysia Anda berhak untuk meminta akses dan pembetulan maklumat peribadi anda yang dipegang oleh Kami dan dalam hal ini, anda boleh:.

    Secara umum, Kami berhasrat untuk menjawab semua aduan dengan segera dan dalam apa jua keadaan dalam waktu kurang dari 21 hari bekerja. Kami berhasrat untuk bertindak segera dan wajar dalam menyelesaikan sebarang aduan. Ada beberapa keadaan, misalnya, di mana masalahnya rumit, atau penyelesaiannya berkaitan dengan produk dengan kitaran kemas kini yang panjang, di mana kita mungkin memerlukan masa tambahan untuk menyelesaikan masalah atau melaksanakan pembetulan.

    Sekiranya anda ingin melaksanakan mana-mana hak anda yang disenaraikan di atas, anda boleh menghubungi Kami melalui perkara berikut:. Terdapat keadaan terhad tertentu yang diizinkan di bawah Akta Perlindungan Data Peribadi Malaysia di mana Kami mungkin menolak untuk membenarkan akses ke Maklumat Peribadi yang Kami pegang atau kami mungkin menolak untuk menerapkan pembetulan pada Maklumat Peribadi yang anda minta.

    Dalam keadaan seperti itu, anda mungkin meminta kami perhatikan bahawa permintaan untuk akses atau pembetulan telah ditolak oleh Kami. Secara amnya, Kami dengan senang hati memberikan perincian Maklumat Peribadi yang Kami simpan secara percuma. Walau bagaimanapun, sejauh yang diizinkan di bawah undang-undang, Kami berhak untuk mengenakan yuran nominal jika ada yang setimpal dengan kos pengekstrakan dan pengumpulan Maklumat Peribadi Kami di mana pekerjaan penting terlibat.

    Kami meminta anda untuk mengenali diri anda dengan secukupnya ketika meminta salinan Maklumat Peribadi anda. Kami menggunakan "Cookies" supaya Kami dapat memberi anda pengalaman yang lebih baik semasa anda layari laman web Kami.

    Sebilangan besar penyemak imbas web menerima "Cookies" secara automatik. Anda tidak perlu menerima "Cookies". Anda harus membaca maklumat yang disertakan dengan perisian penyemak imbas anda untuk melihat bagaimana anda boleh menyiapkan penyemak imbas anda untuk memberitahu anda ketika anda menerima "Cookies".

    Ini akan memberi anda peluang untuk memutuskan untuk menerima "Cookies" atau melumpuhkan "Cookies". Sekiranya anda melumpuhkan "Cookies" dari penyemak imbas anda, anda mungkin tidak dapat mengakses ciri tertentu dari laman web tertentu. Dasar Privasi ini ditulis dalam bahasa Inggeris dan Bahasa Malaysia. Please be informed that your personal credit report is temporarily blocked due to trade dispute investigation in accordance to Trade Reference Guidelines under Credit Reporting Agencies Act.

    Hi, Thank you for viewing MyCreditInfo website. As a Credit Report Agency, we would also like to invite you to attend our financial talk regarding topics on how to improve your credit score, tips of maintaining a good credit profile and how you should alwayas check your credit record to avoid identity theft, etc.

    Home Login. Don't have an account yet? Sign up for an account today. Sign up. Important Information. Duis autem vel eum iriure at dolor vulputate velit esse vel molestie at dolore. These changes do not impact our existing products and services.

    Find out more at mycreditinfo. Statutory Notification Summary of Rights. In accordance with Section 23 of the Credit Reporting Agency Act "CRA" , Experian hereby informs you that: Your credit information is collated and processed by Experian, including your identity number and address, business directorship and shareholdings if any , litigation information such as bankruptcy or legal suits if any , credit payment information from trade credit grantors if any and information captured from third parties including but not limited to government and statutory bodies, Angkatan Koperasi Kebangsaan Malaysia Berhad ANGKASA , Central Credit Reference Information System CCRIS , Dishonoured Cheques DCHEQS from Bank Negara Malaysia, commercial banks, investment banks, insurance companies, development banks, cooperative banks, stockbrokers, payment systems issuers, licensed moneylenders, landlords, trading and commercial companies, clubs, cooperatives, employment agencies, professionals e.

    Your credit information is processed for purposes of providing credit report. Some credit information requested may be obligatory or voluntary for you to supply. You also have a choice to limit the processing of your credit information, including the credit information relating to other persons who can be identified from your credit information. You may access you credit information by purchasing your credit report from Experian. For any inquiries or complaints in respect of your credit information, including a request to access or correct your credit information, you may contact Experian at: Consumer Support Division Experian Information Services Malaysia Sdn.

    This notification is written both in English and Bahasa Malaysia languages. Beberapa maklumat kredit diminta mungkin wajib atau sukarela untuk anda berikan. Anda juga mempunyai pilihan untuk menghadkan pemprosesan maklumat kredit anda, termasuk maklumat kredit yang berkaitan dengan orang lain yang dapat dikenal pasti dari maklumat kredit anda.

    Anda boleh mengakses maklumat kredit anda dengan membeli laporan kredit anda dari Experian. Untuk sebarang pertanyaan atau aduan mengenai maklumat kredit anda, termasuk permintaan untuk mengakses atau membetulkan maklumat kredit anda, anda boleh menghubungi Experian di: Bahagian Sokongan Pengguna Experian Information Services Malaysia Sdn. Information about the requests of your credit information can be received free of charge twice a year at www.

    There, you may see which legal entities and when date and time have checked your credit history. Pursuant to the regulatory enactments effective in the Republic of Latvia, information about you may be requested only in case if there is a valid reasons for doing that, and in case you have authorized the information check.

    In case you have not authorized your credit history check, or in case the company which has checked your credit history has not signed an agreement with you on the provision of any services or sale of any commodities to you on deferred terms or on cash-on-delivery terms, you must notify the fact to JSC Kredītinformācijas Birojs Credit Information Bureau. You may also lodge a complaint with the State Data Inspectorate against the respective legal entity company regarding unauthorised access to your credit history.

    The report contains following sections: 1. The Free report: You are allowed to receive unlimited free reports; the report include information about your credit history provided by the members of the Credit Information Bureau.

    The report comprises the following sections: the current liabilities registered in your name; the outstanding liabilities registered in your name; the cleared debts registered in your name; the log of queries for your data. The annual subscription In addition to the free reports, the annual subscription includes the full interactive report; information on your credit rating. Credit Information Bureau is a company which holds a licence issued by the Data State Inspectorate for services related to storage of credit histories of private individuals and companies, data processing, preparation of credit reports, calculation of credit rating and credit standing, monitoring of private individuals and companies.

    Through the bureau, private individuals may find out their credit standing data, keep track of the changes, and monitor their credit history. Credit history of private individual consist of two parts — presentation of the current credit liabilities and the history of payments. A bad credit history occurs due to delayed or overdue payments — delayed credit payments, outstanding telecommunication, public utility, or other payments. Individuals with a bad credit history cannot receive new credits or face difficulties in enjoying good or flexible terms and conditions when applying for new loans.

    History of debts outstanding — for 10 years, history of cleared debts — for 5 years, insolvency data and tax arrears are stored in the system for as long as they are available at the Registry of Enterprises or the State Revenue Service. There is no term fixed for positive information, and each individual may decide whether to provide data regarding the duly effected payments in their credit history.

    The information about your outstanding and cleared debts can be requested only under the provisions of the Personal Data Protection Act.

    Legal entities require your consent to be able to check your data, as no one may request any information about you from either the Credit Information Bureau or any other register in case such consent has not been obtained. Your tax credits will stop if you or your partner apply for Universal Credit. Check how tax credits and Universal Credit affect each other. To help us improve GOV. It will take only 2 minutes to fill in.

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    If you can not check your information at www. Respecting the interests of private individuals, the Credit Information Bureau has set up a data exchange system which logs every enquiry for each private individual.

    This allows to monitor the legality and validity of data use, as you are given an opportunity to verify that your data have been used according to the law. Information about the requests of your credit information can be received free of charge twice a year at www. There, you may see which legal entities and when date and time have checked your credit history. Pursuant to the regulatory enactments effective in the Republic of Latvia, information about you may be requested only in case if there is a valid reasons for doing that, and in case you have authorized the information check.

    In case you have not authorized your credit history check, or in case the company which has checked your credit history has not signed an agreement with you on the provision of any services or sale of any commodities to you on deferred terms or on cash-on-delivery terms, you must notify the fact to JSC Kredītinformācijas Birojs Credit Information Bureau. You may also lodge a complaint with the State Data Inspectorate against the respective legal entity company regarding unauthorised access to your credit history.

    The report contains following sections: 1. The Free report: You are allowed to receive unlimited free reports; the report include information about your credit history provided by the members of the Credit Information Bureau. The report comprises the following sections: the current liabilities registered in your name; the outstanding liabilities registered in your name; the cleared debts registered in your name; the log of queries for your data.

    The annual subscription In addition to the free reports, the annual subscription includes the full interactive report; information on your credit rating. Credit Information Bureau is a company which holds a licence issued by the Data State Inspectorate for services related to storage of credit histories of private individuals and companies, data processing, preparation of credit reports, calculation of credit rating and credit standing, monitoring of private individuals and companies.

    Through the bureau, private individuals may find out their credit standing data, keep track of the changes, and monitor their credit history. Credit history of private individual consist of two parts — presentation of the current credit liabilities and the history of payments. A bad credit history occurs due to delayed or overdue payments — delayed credit payments, outstanding telecommunication, public utility, or other payments. Individuals with a bad credit history cannot receive new credits or face difficulties in enjoying good or flexible terms and conditions when applying for new loans.

    History of debts outstanding — for 10 years, history of cleared debts — for 5 years, insolvency data and tax arrears are stored in the system for as long as they are available at the Registry of Enterprises or the State Revenue Service. There is no term fixed for positive information, and each individual may decide whether to provide data regarding the duly effected payments in their credit history.

    The information about your outstanding and cleared debts can be requested only under the provisions of the Personal Data Protection Act. Legal entities require your consent to be able to check your data, as no one may request any information about you from either the Credit Information Bureau or any other register in case such consent has not been obtained.

    For this reason, it is important that you monitor the statistics for the visits of your credit history profile. In case you have any doubts with regard to any queries for your data, do feel free to address the party which has requested your information to find out the reason. You can monitor your credit history by registering on www. If you wish to receive information about the debts registered on your name, we recommend that you register on www. If you believe that the database of the Credit Information Bureau includes incorrect information, you need to submit a written objection to the Credit Information Bureau or the respective creditor in whose data the error has been found.

    As soon as you receive an official written response with a confirmation of the error, we shall be entitled to update the data in your credit history or remove the data from it.

    We can therefore ensure that the Personal Information we disclose is used only in accordance with this Privacy Statement and in accordance with the requirements of the Malaysia Personal Data Protection Act and other applicable data protection laws and regulations. In instances where our third parties are located outside of Malaysia, we may disclose and transfer your Personal Information outside of Malaysia, but always ensuring to adhere to the local and foreign data protection laws.

    As a global leader in the management of data, EIS recognizes and acknowledges the importance of keeping the Personal Information and data that it holds, secure and protected from unauthorized access. To do this, EIS utilizes industry standard security and encryption processes and technology to ensure that access to your Personal Information is only provided to those employees who need to have access in order to perform their role.

    We may be obliged to disclose Personal Information we hold to law enforcement agencies. In such circumstances, the use and security of that information is determined by the rules governing the relevant agency. To ensure that we maintain the standards we have set for security and that we comply with our obligations in relation to the storage and handling of your Personal Information, EIS requires all of its employees to complete regular training in relation to the handling of Personal Information and the application of our security policies.

    We will also regularly review this policy and assess our performance against it to ensure we are meeting and continue to meet our obligations under the Malaysian Personal Data Protection Act You have the right to request for access to and correction of your personal information held by Us and in this respect, you may:. In general, we aim to respond to all complaints promptly and in any event in less than 21 working days.

    We aim to act promptly and reasonably in resolving any complaints. There are some circumstances, for example, where the matter is complex, or the resolution relates to a product with a long update cycle, where we may require additional time to resolve an issue or to implement a correction.

    There are certain limited circumstances permitted under the Malaysian Personal Data Protection Act in which we may decline to permit access to the Personal Information we hold or we may decline to apply a correction to that Personal Information which you have requested. In such circumstances, you may require that we note that a request for access or correction has been refused by us.

    Generally, we are happy to provide details of the Personal Information we hold free of charge. However, to the extent permissible under law, we reserve the right to charge a nominal fee if applicable to commensurate with our costs of extraction and collation of Personal Information where significant work is involved. We will require you to adequately identify yourself when requesting a copy of your Personal Information.

    We use cookies so that we can give you a better experience when you return to our web site. Most web browsers automatically accept cookies. You do not have to accept cookies, and you should read the information that came with your browser software to see how you can set up your browser to notify you when you receive a cookie, this will give you the opportunity to decide whether to accept it.

    If you disable cookies from your browser, you may not be able to access certain features of a particular website. Ini juga menerangkan bagaimana anda dapat mengakses dan mengemas kini Maklumat Peribadi anda. Untuk maklumat lebih lanjut mengenai Kumpulan Experian, sila lawati laman web kumpulan di www. Kami mengumpulkan Maklumat Peribadi anda semasa anda membuat akaun di Laman Web, log masuk ke akaun anda di Laman Web Kami, semasa berinteraksi dengan Kami, membeli Perkhidmatan menggunakan Laman Web, mengambil bahagian dalam sebarang aktiviti di Laman Web kami atau melanggan penerbitan atau bahan pemasaran Kami.

    Kami juga mengumpulkan maklumat Peribadi anda dari sumber umum yang tersedia dan daripada pihak ketiga. Anda pada bila-bila masa boleh menghubungi Sokongan Pelanggan Kami di atau melalui e-mel info[ ]mycreditinfo. Juga, bersama dengan setiap komunikasi pemasaran e-mel yang dikirimkan kepada anda, Kami memberi anda peluang untuk berhenti menerima komunikasi pemasaran di masa depan iaitu, berhenti berlangganan Cukup ikuti proses berhenti melanggan atau arahan yang diberikan dalam e-mel.

    Untuk membolehkan pengembangan dan penyediaan Perkhidmatan kepada anda, EIS mungkin perlu mendedahkan Maklumat Peribadi anda kepada:. Dalam keadaan tertentu EIS boleh mendedahkan Maklumat Peribadi anda kepada mana-mana orang yang Kami diminta untuk melakukannya oleh undang-undang atau perintah undang-undang lain atau Kami secara munasabah percaya bahawa penggunaan atau pendedahan maklumat itu wajar untuk satu atau lebih aktiviti berkaitan penguatkuasaan yang dilakukan oleh atau bagi pihak badan penguatkuasaan.

    Kami juga boleh mendedahkan Maklumat Peribadi anda kepada masyarakat umum apabila anda menjadi pemenang dalam peraduan dengan menerbitkan nama, gambar dan Maklumat Peribadi anda yang lain tanpa pampasan untuk tujuan pengiklanan dan publisiti. Pendedahan Maklumat Peribadi anda kepada pihak ketiga selalu mematuhi semua undang-undang dan peraturan yang berlaku untuk EIS dan pihak ketiga yang disebutkan di atas.

    Dalam keadaan di mana Kami mendedahkan Maklumat Peribadi, Kami biasanya mengawal maklumat tersebut. Oleh itu, Kami dapat memastikan bahawa Maklumat Peribadi yang Kami dedahkan hanya digunakan sesuai dengan Dasar Privasi ini dan sesuai dengan kehendak Akta Perlindungan Data Peribadi Malaysia dan undang-undang dan peraturan perlindungan data lain yang berlaku.

    Sekiranya pihak ketiga Kami berada di luar Malaysia, Kami mungkin akan mendedahkan dan memindahkan Maklumat Peribadi anda di luar Malaysia, tetapi selalu memastikan mematuhi undang-undang perlindungan data tempatan dan asing.

    Sebagai peneraju global dalam pengurusan data, EIS menyedari dan mengakui pentingnya menjaga Maklumat Peribadi dan data yang dipegangnya, dilindungi dan dilindungi dari akses yang tidak dibenarkan. Untuk melakukan ini, EIS menggunakan proses dan teknologi penyulitan dan penyulitan standard industri untuk memastikan bahawa akses ke Maklumat Peribadi anda hanya diberikan kepada pekerja yang perlu mempunyai akses untuk melaksanakan peranan mereka.

    Kami mungkin diwajibkan untuk mengungkapkan Maklumat Peribadi yang Kami simpan kepada agensi penegak undang-undang. Dalam keadaan seperti itu, penggunaan dan keamanan maklumat tersebut ditentukan oleh peraturan yang mengatur agensi yang berkenaan. Untuk memastikan bahawa Kami mengekalkan standard yang telah Kami tetapkan untuk keselamatan dan bahawa Kami mematuhi kewajiban Kami berkaitan dengan penyimpanan dan pengendalian Maklumat Peribadi anda, EIS menghendaki semua pekerjanya untuk menyelesaikan latihan berkala berkaitan dengan pengendalian Maklumat Peribadi dan penerapan dasar keselamatan Kami.

    Kami juga akan mengkaji semula polisi ini secara berkala dan menilai prestasi Kami terhadapnya untuk memastikan Kami memenuhi dan terus memenuhi tanggungjawab Kami di bawah Akta Perlindungan Data Peribadi Malaysia Anda berhak untuk meminta akses dan pembetulan maklumat peribadi anda yang dipegang oleh Kami dan dalam hal ini, anda boleh:.

    Secara umum, Kami berhasrat untuk menjawab semua aduan dengan segera dan dalam apa jua keadaan dalam waktu kurang dari 21 hari bekerja. Kami berhasrat untuk bertindak segera dan wajar dalam menyelesaikan sebarang aduan. Ada beberapa keadaan, misalnya, di mana masalahnya rumit, atau penyelesaiannya berkaitan dengan produk dengan kitaran kemas kini yang panjang, di mana kita mungkin memerlukan masa tambahan untuk menyelesaikan masalah atau melaksanakan pembetulan.

    Sekiranya anda ingin melaksanakan mana-mana hak anda yang disenaraikan di atas, anda boleh menghubungi Kami melalui perkara berikut:. Terdapat keadaan terhad tertentu yang diizinkan di bawah Akta Perlindungan Data Peribadi Malaysia di mana Kami mungkin menolak untuk membenarkan akses ke Maklumat Peribadi yang Kami pegang atau kami mungkin menolak untuk menerapkan pembetulan pada Maklumat Peribadi yang anda minta.

    Dalam keadaan seperti itu, anda mungkin meminta kami perhatikan bahawa permintaan untuk akses atau pembetulan telah ditolak oleh Kami. Secara amnya, Kami dengan senang hati memberikan perincian Maklumat Peribadi yang Kami simpan secara percuma. Walau bagaimanapun, sejauh yang diizinkan di bawah undang-undang, Kami berhak untuk mengenakan yuran nominal jika ada yang setimpal dengan kos pengekstrakan dan pengumpulan Maklumat Peribadi Kami di mana pekerjaan penting terlibat.

    Kami meminta anda untuk mengenali diri anda dengan secukupnya ketika meminta salinan Maklumat Peribadi anda. Kami menggunakan "Cookies" supaya Kami dapat memberi anda pengalaman yang lebih baik semasa anda layari laman web Kami. Sebilangan besar penyemak imbas web menerima "Cookies" secara automatik. Anda tidak perlu menerima "Cookies". Anda harus membaca maklumat yang disertakan dengan perisian penyemak imbas anda untuk melihat bagaimana anda boleh menyiapkan penyemak imbas anda untuk memberitahu anda ketika anda menerima "Cookies".

    Ini akan memberi anda peluang untuk memutuskan untuk menerima "Cookies" atau melumpuhkan "Cookies". Sekiranya anda melumpuhkan "Cookies" dari penyemak imbas anda, anda mungkin tidak dapat mengakses ciri tertentu dari laman web tertentu. Dasar Privasi ini ditulis dalam bahasa Inggeris dan Bahasa Malaysia. Please be informed that your personal credit report is temporarily blocked due to trade dispute investigation in accordance to Trade Reference Guidelines under Credit Reporting Agencies Act.

    Hi, Thank you for viewing MyCreditInfo website. As a Credit Report Agency, we would also like to invite you to attend our financial talk regarding topics on how to improve your credit score, tips of maintaining a good credit profile and how you should alwayas check your credit record to avoid identity theft, etc.

    Home Login. Don't have an account yet? Sign up for an account today. Sign up. Important Information. Duis autem vel eum iriure at dolor vulputate velit esse vel molestie at dolore. These changes do not impact our existing products and services.

    Find out more at mycreditinfo. Statutory Notification Summary of Rights. In accordance with Section 23 of the Credit Reporting Agency Act "CRA" , Experian hereby informs you that: Your credit information is collated and processed by Experian, including your identity number and address, business directorship and shareholdings if any , litigation information such as bankruptcy or legal suits if any , credit payment information from trade credit grantors if any and information captured from third parties including but not limited to government and statutory bodies, Angkatan Koperasi Kebangsaan Malaysia Berhad ANGKASA , Central Credit Reference Information System CCRIS , Dishonoured Cheques DCHEQS from Bank Negara Malaysia, commercial banks, investment banks, insurance companies, development banks, cooperative banks, stockbrokers, payment systems issuers, licensed moneylenders, landlords, trading and commercial companies, clubs, cooperatives, employment agencies, professionals e.

    Your credit information is processed for purposes of providing credit report. Some credit information requested may be obligatory or voluntary for you to supply. You also have a choice to limit the processing of your credit information, including the credit information relating to other persons who can be identified from your credit information. You may access you credit information by purchasing your credit report from Experian. For any inquiries or complaints in respect of your credit information, including a request to access or correct your credit information, you may contact Experian at: Consumer Support Division Experian Information Services Malaysia Sdn.

    This notification is written both in English and Bahasa Malaysia languages. Beberapa maklumat kredit diminta mungkin wajib atau sukarela untuk anda berikan. Anda juga mempunyai pilihan untuk menghadkan pemprosesan maklumat kredit anda, termasuk maklumat kredit yang berkaitan dengan orang lain yang dapat dikenal pasti dari maklumat kredit anda.

    Anda boleh mengakses maklumat kredit anda dengan membeli laporan kredit anda dari Experian. Untuk sebarang pertanyaan atau aduan mengenai maklumat kredit anda, termasuk permintaan untuk mengakses atau membetulkan maklumat kredit anda, anda boleh menghubungi Experian di: Bahagian Sokongan Pengguna Experian Information Services Malaysia Sdn.

    Pemberitahuan ini ditulis dalam Bahasa Inggeris dan Bahasa Malaysia. To access and use the Website, Services and Information only for its exclusive use, for lawful purposes and in a lawful manner, in compliance with all applicable laws and regulations, these Terms of Use and rules of any network or Internet service provider through which User accesses the Website; 2. To not to divulge the Services and Information to any third party for commercial purposes without the written consent of Experian; 2.

    Services and Fees 3. Supporting documents are invalid. Intellectual Property Rights 4. Your privacy We take your privacy very seriously and aim to comply with the relevant local data protection legislation.

    Links to other websites The Website may contain links or references to products, materials or web sites that are provided by independent third parties. Disclaimer of Warranties and Liabilities 7. Other Matters 9. Untuk mengakses dan menggunakan Laman Web, Perkhidmatan dan Maklumat hanya untuk penggunaan eksklusifnya, untuk tujuan yang sah dan dengan cara yang sah, sesuai dengan semua undang-undang dan peraturan yang berlaku, Syarat Penggunaan ini dan peraturan mana-mana penyedia perkhidmatan rangkaian atau Internet di mana Pengguna melayari laman web; 2.

    Untuk tidak membocorkan Perkhidmatan dan Maklumat kepada pihak ketiga untuk tujuan komersial tanpa kebenaran bertulis dari Experian; 2. Perkhidmatan dan Bayaran 3. Dokumen sokongan tidak sah. Hak Harta Intelek 4. Privasi anda Kami memandang serius privasi anda dan bertujuan untuk mematuhi undang-undang perlindungan data tempatan yang berkuasa. Pautan ke laman web lain Laman web mungkin mengandungi pautan atau rujukan ke produk, bahan atau laman web yang disediakan oleh pihak ketiga yang bebas.

    Penafian Jaminan dan Liabiliti 7. Perkara Lain 9. What kind of Personal Information do we collect?

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