Credit bureaus: developments and credit decisions
What is changing at credit bureaus in Southeast Asia, and an ongoing series on what they collect, who reports to them, and how each kind of data changes credit decisions across lending products — unsecured loans, microfinance, BNPL, vehicle and SME finance — for banks and non-bank lenders alike.
Latest developments
News on credit bureaus and credit information across the markets we cover: new rules, statistics, reporting duties, data-sharing agreements and incidents.
- Published 24 Oct 2026Data as of 21 Oct 2026SingaporeSingapore keeps Credit Bureau Singapore as Moneylenders Credit Bureau operator until October 2029After an open tender, the Ministry of Law will keep Credit Bureau (Singapore) as operator of the Moneylenders Credit Bureau from 28 October 2026 to…
- Published 17 Oct 2026Data as of 15 Oct 2026IndonesiaOJK tells finance companies not to rely on SLIK alone after IDR 1 million thresholdOn 15 October OJK said finance companies should not rely only on credit scores or credit history and should assess borrowers' overall ability to…
- Published 28 Sep 2026Data as of 25 Sep 2026VietnamVietnam's tax authority and credit bureau CIC sign data-sharing deal; scope undecidedThe General Department of Taxation and the National Credit Information Centre (CIC) signed a data exchange cooperation agreement
- Published 28 Sep 2026Data as of 23 Sep 2026MalaysiaCredit bureau CTOS reports unauthorised access and temporarily suspends some reportsCTOS Digital detected unauthorised access to an environment supporting its consumer business and disclosed it to Bursa Malaysia.
- Published 28 Sep 2026Data as of 14 Sep 2026VietnamVietnam's central bank mandates explicit consent for sharing credit informationCircular 46/2026/TT-NHNN amends Circular 15/2023/TT-NHNN, effective 1 November 2026
- Published 27 Sep 2026Data as of 27 Sep 2026CambodiaCambodia SME loans at USD 37.4bn; application value −5.1% q/q, 90+ DPD up to 7.7%SME loan balance of USD 37.4bn at end-March 2026, +0.9% q/q (CBC)
Series: data and credit decisions
Based solely on publicly available sources: bureau and central-bank publications, laws and regulations, and international organisations. Neutral comparison; no member-only material or customer data.
- Published 14 Oct 2026Data as of 28 Sep 2026Part 1What a credit bureau holds, and how each kind of data shapes a lending decisionBureau files are built from identity data and credit data: accounts, balances, limits, repayment conduct and, in some systems…
- Published 21 Oct 2026Data as of 28 Sep 2026Part 2Positive and negative credit data in Southeast Asia: what published sources describePublished texts for the Philippines, Vietnam, Cambodia, Malaysia, Singapore and Indonesia describe bureau files that record repayment conduct…