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Ensuring Correct Information

As Mala’a Credit Report is an important report that will influence the availability of the cost of credit to you it is very important that the information held in it is correct.

Mala’a can only report the information it receives from your bank or credit provider. 

You have a right to know what information the Institution related to you has submitted to Mala’a. If you believe that any information is inaccurate, erroneous or outdated, you may notify Mala’a of the disputed information.

When a dispute is officially raised Mala’a shall:

  • Within 2 working days from date of receipt of the dispute, endorse the disputed credit report with a note on specific items which are subject to dispute, until such time when the dispute is resolved.
  • Within 5 working days from date of receipt of the dispute, investigate and correct the disputed credit information where the dispute emanates from the credit reference bureau.
  • Notify the data subject of the outcome of the disputed credit information.

Mala’a is proud to offer a fully automated, online dispute management system. There is no need to complete any paper forms or visit any offices.

Should you have a concern over the accuracy of your information held by Mala’a please contact us noting your concerns.