Personal Credit Reports

Launched by SIMAH in 2004, Simati provides detailed credit reports of individuals, including both positive and negative credit information and reflecting their financial solvency. This allows members to determine how...

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Business Credit Reports

Launched by SIMAH in 2009, Simatona is the first system in the Middle East to issue detailed, up-to-date credit reports concerning commercial entities. Simatona was designed to provide credit information...

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A SIMAH project launched in 2011, Taqeem is the first system to use a database of information on the Saudi Arabian market as a tool to evaluate and study Small...

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This product was activated by SIMAH to identify juridical entities (i.e. companies and institutions) through the Legal Entity Identifier System, established by the Global Legal Entity Identifier Foundation. MOA’RIF provides...

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Added Value Services

​ Alerts Management System (AMS) The Alerts Management System offers comprehensive solutions to monitoring the credit behaviors that are represented in clients' credit reports, such as funding requests by product; new...

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National Data Pooling Project (NDPP)

Under the supervision of Saudi Arabian Monetary Agency (SAMA), the Saudi Credit Bureau (SIMAH) and the Saudi banks decided to lunch the National Data Pooling (NDP) for the purposes of...

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Our Members


Coverage of Credit Data


Average Website Visits


Quality Score of Financial Information


Our History

In 2002, SIMAH, the Saudi Credit Bureau, was established. Initially formed as a limited liability company by 10 banks then operating in the Kingdom, the bureau was created to act as a data aggregator, providing a comprehensive system of credit information, collected by the banks in order to be exchanged easily between them.


Our Objectives

• Increasing lender and investor confidence.
• Enabling credit providers to form a clear image of prospective borrowers by providing them with borrowers’ credit history, improving their ability to determine financial solvency and to assess credit risk.


Our Mission

To provide comprehensive credit information services and added-value products by utilizing best business practices, thereby offering the highest standards of professionalism to stakeholders in the financial sector and beyond.


Our Vision

To become a credit bureau operating at world-class standards in terms of its provided products and services.











ماذا تعرف عن سمة!







1. Answer questions

Securely provide a bit of information to create a secure account.


2. You are done

Browse your credit, financial analysis and enjoy a better life.


You have a question ... We have the answer

What is the Saudi Credit Bureau (SIMAH)?

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.

When was SIMAH founded and when did SIMAH effectively begin operations?

SIMAH was founded in 2002. And SIMAH began its operations in April 2004.

Who owns SIMAH?

SIMAH’s ownership is shared by ten Saudi Arabian banks operating in the Kingdom of Saudi Arabia.

What is a credit report?

A credit report contains all of the information related to a client’s credit transactions with SIMAH members. With regard to natural persons (i.e. individuals), the report includes his/her identification number; place of residence; current and previous places of work; marital status and personal information. Meanwhile, with regard to juridical persons (i.e. corporations/institutions), the report includes the organization’s commercial registry, address and any other relevant information. Credit reports contain all current and previous debts, any securities granted to the client, compliance with due dates, any late payments or disputed debts, in addition to any lines of credit in default or on which the debtor is late on payments and that, after being requested by the creditor, were resolved or cancelled. Credit reports also cover any purchases made in installments, futures contracts or any other finance products and the client’s compliance in making payments. With regard to legal proceedings, credit reports include any financial prosecution brought against the client in addition to cases of default, bankruptcy or debt settlement, listing the legal decisions issued in the cases and the names of the liquidators and bankruptcy trustees as well as values of properties and debts, dates of payment and liquidation costs. Finally, credit reports also include bounced checks, their values, dates and any actions taken in their regard in addition to unpaid payments requested by official bodies and any information of a financial nature that affects the client’s creditworthiness. Credit reports are issued by SIMAH after collecting a client’s personal and credit information from members who are required to update information periodically.

Does my credit report determine the approval or denial of my credit request?

Your credit report does not determine the approval or denial of your credit requests. Rather, the credit report simply presents available credit information without offering any opinions or recommendations regarding the decision to grant or deny credit. A member may grant you credit even if you have defaulted on previous loans and, alternately, they may deny you credit even if you have never defaulted.

What is the benefit of reviewing my credit report?

Your credit report offers you opportunity to view all of your past credit transactions and your compliance in meeting payments. Moreover, the report clarifies your financial state and can help you select the financial products most appropriate for your financial capabilities. Also, by regularly reviewing your credit report, you can ensure that the credit information provided to credit providers is correct.

How can I create an account to get my credit report?

You can create an account to get your credit report through different channels either SIMAH’s official website, by visiting our customer service center, at your bank or by downloading SIMAH’s app on your smart phone or portable device. After registration, you will receive a text message containing your password, which you can use to obtain your credit report and begin benefitting from SIMAH’s services.

Who is responsible for updating my information with SIMAH?

SIMAH members are responsible for updating your credit information in an organized and periodic manner.

How long does it take to update my credit information?

The updating period differs for each SIMAH member. However, members are required to update your credit information regularly at least once per week.

Can members provide SIMAH with information that they know to be incorrect?

No, members cannot provide SIMAH with any information they know to contain errors and that they believe may contain incorrect data.

Do I have the right to object to SIMAH regarding information included in my credit report?

Yes, you have the right to object to any information included in your credit report at any time. SIMAH is required to investigate the matter and issue a decision within 30 days of receipt of the objection.

If my objection to SIMAH is rejected, how can I appeal the decision?

You may submit a complaint to the Council for the Review of Infractions and Settlement of Disputes Related to Credit Information, located in Riyadh on King Fahd Road, on the first floor of the Gulf Monetary Council. The Council is responsible for reviewing all infractions related to credit information disputes.

What do I do if I find incorrect information in my credit report?

If you discover an inconsistency in your credit report, you can submit a request explaining your objection to the incorrect information. SIMAH will correct the mistake as soon as it is determined that the information is in fact false.

Contact SIMAH


Customer Service:

Phone: +966 9200 00046

Fax: +966 11 2188797



Granada Business Park, Tower (B3) P. O. Box 8859 Riyadh 11492 Kingdom of Saudi Arabia