We’ve discussed what a credit score is, so how do you get the credit report? In Saudi Arabia the credit bureau, SIMAH allows customers to make a purchase to receive a credit report. It is important that you keep track of your score and one way to do this is to review the report.
You can request a report on Molim. They also offer an app for both Apple and Android devices. You can choose between two payment options, one-time or a subscription.
Alternatively, depending on your banking institute, you can get a report through them. Some banks offer it directly to customers on the online banking platform.
Why do I need to get the report?
If you plan on applying for a credit card or loan, i.e. for a car, the dealership or financial institute may request you provide one.
In addition, viewing your report will allow you to keep an eye on any irregularities and see your most current credit position.
Be on the lookout for scams!
Be aware of misleading websites that may look like real websites, but their entire goal is to take your personal information for nefarious purposes.
(Hint: real websites use https)
In Saudi Arabia, you can get your report from SIMAH & Molim or your bank. In other countries, like the United States you can get a free report from some institutes. Do your research and make sure that you do not provide credit card or personal information if you do not need to.