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Credit Score Estimator

Mala'a Credit Score Estimator

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Disclaimer: The Mala'a Credit Score Estimator is for informational purposes only and is intended to approximate the Mala' a Score range based on answers to the questions provided. Your actual score, and the impact of any actions taken, results from a complex interaction of Mala'a scoring methodologies and the information on your credit report, some of which changes daily.

1. How many loans or credit cards have you applied for in the last 12 months?

0 1 2 more than 2

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2. How long ago did you get your first loan?(Credit card, auto loan, personal loan, etc.)

I have never had a loan less than 6 months ago more than 6 months

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3. In the last 12 months, how many credit cards did you have?

I have never had a credit card 1 more than 1

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4. What is the average utilization percentage of your credit card limit in the last 12 months?

0 10%25%75%more than 75%

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5. In the last 12 months, how many missed days on loans or a credit card payment do you have?

I have never missed a payment less than 5 days between 6 to 30 days between 31 to 90 days more than 91 days

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6. How many of your loans and/or credit cards are currently past due?

0 1 more than 1

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7. How many active loans or credit cards do you have?

0 1 2 3 more than 3

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Your Predicted Score

Unavailable Credit Score due to insufficient credit information.

300 - 900

SCORE KEY

Score	Probability of Default
751 - 900	1 - 2%
724 - 750	3 - 6%
685 - 723	7 - 15%
610 - 684	16 - 50%
300 - 609	51 - 100%

FAQ

The Mala'a Credit Score Estimator is an educational tool. Explore, adjust and ponder, but remember these are estimated outcomes.

Replay

March 31, 2024

HSBC Middle East Joins Mala’a Membership Network

On March 24, 2024, HSBC Middle East entered into a membership agreement with the Oman Credit & Financial Information Centre (Mala’a) to become a Banking sector member. The agreement outlines Mala’a’s provision of a centralized repository of credit and financial data aimed at aiding members in evaluating the creditworthiness of their clientele. This strategic measure […]

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November 16, 2023

Bilateral Agreement for the Exchange of Credit Information between Oman Credit Information Center (Mala’a) and the Kuwait Credit Information Network Company

Oman Credit and Financial Information Centre (Mala’a) has entered into a bilateral Agreement for the Exchange of Credit Information with its counterpart the Kuwait Credit Information Network Company (Ci-Net). This general objective of the agreement is to promote the facilitation of the exchange of credit-related information among Gulf Arab nations, aligning with the decision of […]

Read article June 15, 2023

Oman Credit and Financial Information Center wins the Excellence Award for providing credit information services

Oman Credit and Financial Information Centre (Mala’a) has received an Award for Excellence in Credit Information Services at the New Age Banking Summit by OER Magazine. Mala’a is the official source for credit and financial information through credit reports and credit scores. The credit parameters make for crucial criterion that determines eligibility to obtain credit […]

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