A ONE-STOP CENTRE FOR CREDIT INFORMATION AND RATING We opened our doors to a bright and beautiful morning on 1 July 2008. As SME Credit Bureau, we’ve helped many SMEs get access to better financing. When the Credit Reporting Act 2010 was introduced, we became Credit Bureau Malaysia (CBM) and expanded our market to include helping individuals. CBM collects and compiles credit information from various sources. We then process this data and disseminate it to financial institutions and other credit grantors upon request and with your consent. This report is a benchmark for credit worthiness; it indicates the likelihood of a company or individual repaying the money borrowed. Instead, we’d rather spend our time and effort educating the rakyat about today’s increasingly complex credit industry, and empower them to make smarter financial decisions. In short, how to be more credit savvy in a credit-driven world. CBM is jointly owned by Credit Guarantee Corporation Malaysia, Dun & Bradstreet Malaysia, and the Association of Banks Malaysia.