RAM Credit Information Sdn Bhd ("RAMCI"), a leading Credit Reporting Agency licensed under the purview of the Ministry of Finance Malaysia, is relied upon for credit reports and scores by some of the most renowned global and local brands as well as Financial Institutions, SMEs and Government Agencies. The establishment of RAMCI is aiming to improve on the reliability of the critical information about Malaysian individual as well as the companies and their business affairs to the public. RAMCI recognised the void in the market and the unfulfilled demand for professional, reliable credit information and scores on individuals, companies, small and medium enterprises and therefore the establishment of RAMCI is able to fulfil the demand. RAMCI is backed by RAM Holdings Berhad, established in November 1990 as Malaysia's premier credit rating agency provider of advisory services and DP Information Group, formed in 1978, a leading Singapore credit and information bureau, who is the subsidiary of Experian, the global leader in credit solutions and analytics, and a constituent of Britain's FTSE 100 index.