Oman Credit and Financial Information Center (Mala’a)

Mala’a is a multi-phase national initiative that enables access to credit through Information Services, Credit Rating, Creditworthiness and Solvency Insights for individuals and corporates.

Oman Credit and Financial Information Centre (Mala’a) was established by Royal Decree 38/2019 issued on 8th May 2019 as an independent organization under the supervision of the Central Bank of Oman with financial and administrative independence.

What does Mala’a Report contain?

Mala’a Report consists of multiple sections and includes information about credit facilities and repayment history for the last 24 months. The bilingual report contains demographics, firmographics, Mala’a Score, Probability of Default, Mala’a Score History, Guarantor, Collaterals, Inquiries, Bounced Cheques, and Disputes.

The Dashboard of Mala’a Reports gives a consolidated view of information that allows quick decision-making.

Mala’a Report helps you:

Adapt informed financial planning techniques and acknowledging your financial status.

The right to view your credit and financial information and knowing when any changes\updates take place from credit providers.

To know the financial status of a guaranteed person and if they are committed to repaying on time.

To make sure that you have no bounced checks that might affect your creditworthiness negatively.

To know which entities inquired about you in the past 24 months.

All credit providers have internal policies and procedures to assess credit risk. Mala’a Report and Mala’a Score are tools used in Credit Risk Management. It is up to the credit providers discretion to grant or deny a credit facility based on their internal policies, and not Mala’a’s decision.

Mala’a products

Get to know Mala’a and its products:


What is Mala’a?


What is Mala’a Credit Report?


What is Mala’a Credit Score?


Mala’a report available in Arabic & English


Mala’a enables SME lending by providing Credit and Financial information


Mala’a enables corporate lending by providing Credit and Financial Information


Mala’a enables housing finance by providing Credit and Financial Information

Request Your Credit Report

To request a copy of your individual/company Credit Report, please visit the nearest Sohar International Bank branch.

Frequently Asked Questions

What is the difference between Oman Credit and Financial Information Centre and Mala’a?

Oman Credit and Financial Information Centre is the official name of the body established by Royal Decree, whereas Mala’a is the brand name that is used to represent The Centre. One of Mala’a’s core tasks is to operate as the National Credit Bureau for Oman.

Does Mala’a decide on granting credit facilities?

The decision on whether to grant credit is made by the credit providers ONLY.

Mala’a furnishes credit providers with information to support their credit risk decision-making and to better understand the probability of meeting the credit commitments.

Mala’a never make any decisions with regards to giving credit or not.

What kind of data does the Credit bureau have about individuals and corporates?

As per Royal decree 38/2019, Mala’a receives demographic, firmographic, credit and financial data for all consumers and corporates. Refer to Section Mala’a Report for further details.

How is my data protected?

Mala’a is regulated by the Central Bank of Oman and complies with all Information Protection and Confidentially Regulations and Policies.

Information security is core to Mala’a. Cutting edge security technologies are deployed to ensure the highest level of data security.

Your Credit and financial data is only available to you and to the member institutions that you have credit with or have requested credit from.

How can I ensure my data is correct?

You are encouraged review your report periodically, should you believe your data is incorrect then you are encouraged to raise a data correction case through Mala’a Customer Service team. The relevant members will update the database accordingly. Ensuring Correct Information section of this website will guide you through the process.

For details please refer to members and Data Providers sections of the website.

What is the difference between Mala’a members and Data Providers?

As explained above, a member is an entity that has membership subscription with the Mala’a and submit credit/financial information to the Centre and in return obtain credit reports and scores to manage its credit/Financial risks.

Whereas, a Data Provider is a government or private registry/database that feed data to Mala’a One-Way as required by the Bylaw of Royal Decree 38/2019 in order to help build a a national Databank.

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