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How to Check Your Credit Report in Saudi Arabia


SIMAH is a credit information agency that collects, analyzes, and provides detailed and up-to-date credit information on both individuals and institutions in the Kingdom of Saudi Arabia. A SIMAH credit report helps the consumer better understand the status of their financial obligations. It also provides information on active financial products. By reviewing their current obligations and repayment history, consumers can organize their finances and manage their finances.

SIMAH Credit Report

The SIMAH credit report is the most comprehensive and detailed of all credit reports. The SIMAH score is the result of an algorithm that determines whether a consumer is capable of repaying a debt. It is not a guarantee of a future loan or credit. The SIMAH credit report can help individuals make informed decisions when it comes to finances.

Also Read: Penalties for Cheque Bounce in Saudi Arabia

Benefits of having a credit report

If you have a credit report, it will provide insight into your spending habits and how much money you owe. It can also show if you’ve paid your bills on time or if there are any unpaid charges. In the event that you need to apply for a loan or a new credit card, having a well-established credit report means that it will be easier to get approved.

How to Check Your SIMAH Credit Report

You can get your credit report by visiting the SIMAH website:

There are four different packages available, you can choose one of them as per your requirements:

  • Simah Basic Package
  • Simah Advanced Package
  • Simah Premium Package
  • Simah Premium Plus Package

If you only need a one-time credit report, you can go for the Basic Package of SR 25. Following are the details of the different packages offered by Simah.

SIMAH Packages

SIMAH Subscription Packages

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SIMAH Packages

Once you select a suitable package, create an account using your ID and Mobile number to get the SIMAH report. Your SIMAH Credit report will look like this.

SIMAH Credit Report

How to Improve your Credit Score

One of the easiest ways to improve your credit score is by paying off your debt. If you have enough money in your savings account and little or no debt, your score will be higher. You should also make sure to get a copy of your credit report every year and check for mistakes that can affect your score.

Also Read: How to Apply for a Credit Card in Saudi Arabia

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