As Malaysia’s leading accredited credit bureau, Experian Information Services (Malaysia)—formerly RAM Credit Information (RAMCI)—empowers businesses and consumers to make informed financial decisions with confidence. Leveraging a comprehensive database built over 25 years and the global analytical power of the Experian network, the company provides critical insights that help financial institutions, fintechs, and SMEs lend responsibly and prevent fraud.

Experian Malaysia distinguishes itself through a commitment to security and innovation; it was the first Credit Reporting Agency in the nation to achieve ISO 27001:2013 certification and has successfully transitioned to the ISO 27001:2022 standard. By combining unmatched local data depth with global technology, Experian helps clients navigate complex risks and unlock new opportunities for growth.

Designed specifically to boost operational productivity for SMEs, CrediTrack by Experian is an integrated credit management portal that serves as a dedicated business intelligence hub. The platform allows users to screen new customers via real-time credit checks, monitor existing clients for potential defaults, and manage debt recovery through shared community data.

Integrated with DocuSafe, an innovative CRM tool, CrediTrack also digitizes and automates document management, minimizing data entry errors and offering a cost-effective, enterprise-grade solution for day-to-day business administration.