Check Your SIMAH Credit History Score and Report in Saudi Arabia

Checking SIMAH credit history score and report can be a daunting task, especially if you are new to the process.

However, with the right guidance, it can be a stress-free experience.


For that first you must be familiar with, what is SIMAH and SIMAH credit history score?

Firstly, let us understand what SIMAH is.

What is SIMAH?

The SIMAH score is a credit scoring system used in Saudi Arabia.

SIMAH stands for Saudi Credit Bureau, which is the entity responsible for collecting and maintaining credit information on individuals and businesses in the country.

SIMAH offers a range of services to individuals and businesses.

These include credit monitoring, fraud prevention, and identity theft protection.

The bureau also provides educational resources and tools to help consumers better understand their credit and financial standing.

Benefits from SIMAH

  • Turn big data into wise decision
  • Customize solutions in one shop
  • Make big data real values
  • Make innovative solutions with creative tools​
  • Enhance credit growth
  • Lower cost of data
  • Reduce risks
  • Provide accurate and comprehensive assessment
  • Reduce asymmetries
  • Build business effective strategies
  • Help in products and services diversification
  • Enhance accuracy in sound decision
  • Access to legal cases

SIMAH credit scoring system

The SIMAH score is one of the key factors used by lenders and financial institutions to determine whether to extend credit to a borrower and at what interest rate.

The SIMAH score ranges from 300 to 900, with a higher score indicating a better creditworthiness.

A score of 700 or higher is generally considered good, while a score below 500 is considered poor.

Calculation Factors of score may be

  • An individual’s payment history
  • Outstanding debts
  • Credit utilization
  • Length of credit history.

In addition to the SIMAH score, the credit report also includes other important information such as the borrower’s personal information, credit accounts, payment history, and any outstanding debts or delinquencies.

Lenders use this information to assess the borrower’s risk profile and make informed lending decisions.

It’s important to note that individuals have the right to request a copy of their SIMAH credit report and review it for accuracy.

If there are any errors or inaccuracies in the report, they can dispute them with the credit bureau to have them corrected.

It is important to keep a track of your credit score as it is a measure of your creditworthiness and can impact your ability to obtain loans and credit cards.

Registration for SIMAH

SIMAH registration is a process that is required for all individuals who wish to borrow money from a financial institution in Saudi Arabia.

The SIMAH registration process is important for both individuals and financial institutions.

  • For individuals, it is important to ensure that their credit history is accurate and up-to-date in order to maximize their chances of being approved for credit.
  • For financial institutions, SIMAH registration is an essential tool for assessing credit risk and preventing fraud.

How to check your SIMAH score for free in MOLIM?

If you are wondering how to check your SIMAH score for free, you have come to the right place.

In this blog post, we will guide you through the steps to log into your SIMAH credit report.

Here are the steps to check your SIMAH score for free:

Step 1: Visit the official website of SIMAH.

Step 2: Click on the “Individuals” tab on the homepage

Step 3: Select “My Report” from the dropdown menu and click on “Login”

Step 4: Enter your username and password in the respective fields

Step 5: Click on “Login” to access your SIMAH credit report.

Once you have logged into your SIMAH credit report, you can view your credit score along with other details such as your credit history, outstanding debts, and credit inquiries.

You can also check your SIMAH score online by MOLIM application.

In Saudi Arabia, you can check your credit score through the MOLIM website by SIMAH. To access your credit report, follow these steps:

  • Register with MOLIM
  • Complete the identity verification such as National ID or Iqama number, mobile number, and email address.
  • Request your credit report and log in to your SIMAH account using your username and password.
  • Navigate to the “Request Credit Report” section and follow the on-screen instructions.
  • Pay the credit report fee
  • Access your credit report and you can download in PDF format.
  • Besides the MOLIM website, you can also access your MOLIM credit score using the MOLIM Apps, available for download from the Apple Store or Google Play Store.

It is important to review your credit report regularly to ensure that all the information is accurate and up-to-date.

By following the above steps, you can access your credit report and score easily and keep a track of your creditworthiness.

How to check SIMAH score?

The Saudi Credit Bureau (SIMAH) is responsible for managing and maintaining the credit records of individuals and companies in Saudi Arabia.

A SIMAH check is a process that allows individuals to access their credit score and credit history.

To check your SIMAH record, you will need to follow a few simple steps.

First, you will need to request a copy of your credit report from SIMAH

Credit Score
  • Open website of SIMAH
  • Buy one of the 4 packages.
  • Log in to your account.
  • Click on “My Credit Reports”.

This report will include your SIMAH score, which is a numerical value that reflects your creditworthiness.

The SIMAH score ranges from 300 to 900, and the higher your score, the better your creditworthiness.

If you find that your SIMAH score is lower than you would like it to be, there are a few things you can do to improve it.

  • One option is to make sure that you pay your bills on time and in full each month.
  • Another option is to reduce your overall debt and increase your savings.

To activate your SIMAH record, you will need to follow the instructions provided by SIMAH.

This may involve providing additional information or documentation to verify your identity and creditworthiness.

What is good SIMAH score?

A good SIMAH score is one that falls within a specific range that is considered favorable by lenders.

SIMAH report

A score above 800 is generally seen as excellent, while a score between 300 and 850 is considered good.

There are several factors that affect a SIMAH score,

  • Individual’s payment history
  • Credit utilization
  • Length of credit history
  • Types of credit accounts they have.

Credit history is checked by financial institutions and other lenders by requesting a credit report from a credit bureau.

A good SIMAH score can increase the chances of being approved for credit, while a poor score can make it difficult to obtain credit or result in higher interest rates and fees.


How do I register SIMAH with Alahli Bank?

After logging in to AlAhli Mobile, and from the Home screen: Click “Lease and Finance”, then “SIMAH Registration” Review your information, then click “Proceed” Click “Confirm”

 Which document is needed to become a SIMAH member?

Contact: [email protected] to become a SIMAH member – you will require the following documents to become a member:
Membership Requesting Letter
Valid CR copy
Member’s Contact Information
Membership proposal
Other documents
Article of Association (AOA) is required whenever a company and its multiple subsidiaries are requesting one membership agreement.

How to improve SIMAH score?

A good payment history, low credit utilization, and a long credit history with a mix of different types of credit accounts can help to improve a SIMAH score.

How to crack 800 credit score?

By On-time payments, amounts owed, credit history and types of accounts and credit activity you can crack your best score in SIMAH.

Leave a Comment