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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

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


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

July 3, 2024

Oman Investment Bank Joins Mala’a Membership Network

Oman Investment Bank (OIB) has entered into a membership agreement with Oman Credit & Financial Information Centre (Mala’a), to become a banking sector member. The agreement involves providing Mala’a members with a comprehensive credit and financial information database. This database will facilitate informed credit decision-making, financial capability assessments for clients, and evaluation of potential financial […]

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July 3, 2024

Global Financial Solution (OmPay) Joins Mala’a Membership

Global Financial Technology LLC (OmPay) has entered into a membership agreement with the Oman Credit and Financial Information Center (Mala’a). The membership agreement includes access to Mala’a’s Electronic Know Your Customer (E-KYC) service, known as Huwiya, that is designed to streamline electronic customer identity verification and enhance credit information accuracy. The agreement, signed by Bassam […]

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May 28, 2024

Oman Credit and Financial Information Center (Mala’a) Wins Excellence Award in Credit Information Services

Oman Credit and Financial Information Center (Mala’a) has been awarded the Excellence in Credit Information Services Award by OER Magazine during the “New Age Banking ” summit. This award recognizes the quality of services provided by the center to its members and service providers. Commenting on this achievement, Bassam Al Jamali, General Manager of Mala’a, […]

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