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Mala’a Score

Mala’a Score for individuals and corporates is one of the most important tools to measure creditworthiness.

What is a Credit Score?

What is a Mala’a Score?

Mala’a Score is a 3-digit number that predicts the likelihood of credit repayments on time. The number ranges from 300 to 900 where the higher the score, the lower the risk of not meeting the financial commitments.

The Mala’a Score is dynamic and changes according to credit and financial behavior. It is derived from information based on a Data Subject’s performance of meeting credit commitments from credit providers.

Therefore, missing or delaying a credit repayment beyond the due date, frequently utilizing all credit limits or taking on additional credit may lower the credit score. Equally, reducing the number of credit cards, consistently reducing outstanding balances and making payments on or before the due date will likely improve your credit score.

Your Mala’a score is an interactive indicator of your financial condition.

August 9, 2021

Mala’a offers Credit Score to assist Credit Risk Management in the Financial sector

MUSCAT, July 1: Oman Credit and Financial Information Centre (Mala’a) offers Credit Bureau services to enhance the creditworthiness of the individuals and corporates in the Sultanate in line with Oman Vision 2040, said Mala’a’s Managing Director Mr. Aadil Al Saadi. This supports financial inclusion by ensuring responsible financing in addition to improved credit risk management. […]

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August 9, 2021

Mala’a received 740,000 Credit Report applications received in 2020, and 37 Membership Agreements signed so far

Muscat- June  Oman Credit and Financial Information Center (Mala’) was established in 2019 by Royal decree 38\2019 as the first pillar of the Central Bank of Oman’s 2019-2021 Strategy to enhance the business environment towards implementing Oman 2040 Vision. The center offers credit and financial reports and scores for individuals and corporates and aims to be Oman’s national […]

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November 29, 2020

Oman Credit and Information Centre Signs an MoU with Jusoor Foundation

Muscat\ Oman Credit and Financial Information Center (Mala’a) signed a Memorandum of Understanding with Jusoor Foundation on November 29th 2020 that states providing credit and financial information about Jusoor Foundation’s service providers, individuals and supplying or project executing corporates. The information will be used to assess the clients’ solvency and creditworthiness as stipulated in the […]

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