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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

September 26, 2024

Mala’a Signs a Membership Agreement with Ithbar

Mala’a signed a membership agreement with Ithbar, a local Omani platform that offers financial solutions and crowdfunding services, to utilize Huwiya (Electronic Know Your Customer) and Murshid (Customized Credit Report) services. The agreement aims to support Ithbar to digitally onboard customers and get customized reports tailored for the corporate’s needs. The agreement was formalized with […]

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September 26, 2024

Mala’a signs a Membership Agreement with Global Money Exchange

Mala’a signed a membership agreement with Global Money Exchange to utilize Huwiya (Electronic Know Your Customer) service. This service is designed to digitally onboard customers and simplify electronic customer identity verification. This partnership is the first of its kind for Mala’a, bringing the Money Exchange sector into its membership fold. The agreement was signed by […]

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September 25, 2024

Mala’a GM awarded “Credit Information Services Leader of the Year”

Mala’a’s General Manager, Bassam Al Jamali, received the Credit Information Services Leader of the Year award by Alam Aliktisad awards 2024. This recognition honors his pioneering role in developing innovative solutions to enhance the financial sector and improve credit information services in the Sultanate. Mr. Bassam Bin Tariq Bin Abdul Redha Al Jamali brings in […]

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