Experian Credit & Information Services (Experian), formerly RAM Credit Information (RAMCI), is one of Malaysia’s leading Credit Bureaux accredited under The Credit Reporting Agencies Act 2010.

We are dedicated to helping consumers better understand and protect their credit health.

Experian has established itself as a trusted credit and business information provider in recent decades and has a comprehensive database that has been built over the past 25 years. We are the first Credit Reporting Agency (CRA) in Malaysia to achieve International ISO 27001:2013 certification in January 2017.

Today, we have extensive domain knowledge to serve both consumers and businesses in Malaysia and globally through our comprehensive array of services. We also collaborate with associations and cooperatives to serve their members. Experian’s core capabilities in Malaysia include online credit information, monitoring, scoring services and international information services.

Experian is a leading global information services company, providing data and analytical tools to our clients around the world.

For more than 125 years around the world, we’ve been gathering, analysing and processing data in unique ways. We help individuals to take financial control and access financial services, businesses to make smarter decisions and thrive, lenders to lend more responsibly, and organisations to prevent identity fraud and crime.

We’ve also been named by Forbes magazine as one of the ‘World’s Most Innovative Companies’ for the past 5 consecutive years.