Malaysians' consumer credit scores have continued to improve with a positive increase in the average CTOS scores over the past three years from 663 to 678. This is according to a study by CTOS, the country's leading credit reporting agency, in collaboration with the Monash University Malaysia (Monash) School of Business, which used a sample of over 1.4 million individual CTOS users. The CTOS State of Consumers Credit Report for Malaysia 2022 said that despite the pandemic, financial health has managed to hold steady within the ‘Fair’ credit range, which is viable for credit applications. Credit card utilisation maintaining a rate of around 24% also demonstrates that consumers in general did not have to increase unsecured credit spending to survive the difficult period.