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Credit Score Estimator

Mala'a Credit Score Estimator

Attempt Mala'a Credit Score Estimator to

Predict your Credit Score

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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? 

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

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

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

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

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

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

Your Predicted Score

Unavailable Credit Score due to insufficient credit information.
300 - 900
SCORE KEY

ScoreProbability of Default
751 - 9001 - 2%
724 - 7503 - 6%
685 - 7237 - 15%
610 - 68416 - 50%
300 - 60951 - 100%

FAQ

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

Replay
April 29, 2024

Oman Credit and Financial Information Center (Mala’a) Participates in the Real Estate Conference

The Oman Credit and Financial Information Center (Mala’a) actively participated in the Real Estate Conference 2024, a three-day event organized by the Ministry of Housing and Urban Planning. Held at the Oman Convention and Exhibition Center from April 29th to May 1st, Mala’a showcased its offerings through a dedicated booth, providing insights into credit reports, […]

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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 […]

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