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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

April 4, 2022

Mala’a and the National Center for Financial Information Sign a Cooperation Program

Oman Credit & Financial Information Centre (Mala’a) and the National Center for Financial Information signed a cooperation program to collaborate on significant aspects of Anti-Money Laundering and Combating Financing of Terrorism (AML-CFT) laws on Tuesday, March 8th, 2022, at a formal event held at NCFI headquarter. The Program was signed by Mr. Bassam Al Jamali, […]

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April 4, 2022

Mala’a wins the Global Business Outlook 2021 Award for the “Fastest Growing Consumer & Commercial Credit Information Reporting in the GCC”

Oman Credit and Financial Information Centre (Mala’a) won the Global Business Outlook Award for the “Fastest Growing Consumer & Commercial Credit Information Reporting in the GCC” for the year 2021. The achievement is a testament for Mala’a’s efforts in developing the credit system in the Sultanate since its inception in 2019 with the support of […]

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March 7, 2022

Appointing Mr. Bassam Al Jamali a General Manager to Oman Credit and Financial Information Centre (Mala’a)

The Central Bank of Oman management and Board of Governors, appointed Mr. Bassam Al Jamali a General Manager to Oman Credit and Financial Information Centre (Mala’a) on November 21st. Mr. Bassam Bin Tariq Bin Abdul Redha Al Jamali brings in a vast experience of over 24 years in the Central Bank of Oman in the […]

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