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What Is a Consumer Credit Report?

A consumer credit report provides a comprehensive view of an individual’s financial obligations, repayment behavior, and overall credit standing. It combines both positive and negative credit information from multiple credit providers into one unified profile, enabling institutions to assess a customer’s financial solvency, affordability, and creditworthiness with greater confidence.

By offering a clearer understanding of a customer’s existing commitments, payment patterns, and credit exposure, consumer reports help institutions make faster, more informed, and more responsible decisions.

  • Personal loan evaluations
  • Credit card issuance
  • Mortgage and auto financing
  • Leasing and installment products
  • Postpaid telecommunications services
  • Buy Now, Pay Later (BNPL) offerings

What’s Included in a
SIMAH Consumer Report?

Personal Data  

Personal Data

Includes key personal details such as full name, national ID, nationality, contact details, and address information used to verify the customer’s identity.


Credit Products  

Credit Products

Provides a detailed view of current and historical credit facilities, including product type, credit provider, credit limit, current balance, and account status.


Payment Status  

Payment Status

Shows the customer’s repayment behavior over time, including payment regularity, overdue, and settlement history.


Credit Enquiries  

Credit Enquiries

Displays previous enquiries submitted by credit providers, helping institutions understand recent credit planning and credit demand for the consumer.


Defaults, Bounced Cheques and Enforcement Court Decisions  

Defaults, Bounced Cheques and Enforcement Court Decisions

Includes records related to defaults, bounced cheques, enforcement court decisions, and other information that may affect credit decisions.


Why Use SIMAH’s
Consumer Reports?
Risk Reduction  

Risk Reduction

Reduce uncertainty and make more confident lending decisions through reliable, up-to-date credit information.

Better Customer Segmentation  

Better Customer Segmentation

Tailor products, limits, and offers based on customer behavior, affordability, and repayment patterns.

Regulatory Compliance  

Regulatory Compliance

Support responsible lending practices and align decisions with regulatory requirements and fair treatment principles.


Easy Integration &
Secure Use

01

Submit Membership Request

Organizations can apply for membership and gain access to SIMAH’s services through a clear and streamlined onboarding process.


02

Verify Consents and Authorizations

Customer consents and required authorizations are verified in accordance with regulatory requirements and approved controls.


03

Start Using Services and Access Reports

Once integration and activation are completed, organizations can begin using SIMAH’s services and access reports instantly and securely.


04

Make Informed Decisions

Reports can be used to support approval, rejection, or adjustment of terms and limits based on the customer’s risk profile.


Sectors We Serve

Banking Sector
Banking Sector
Finance Providers
Finance Providers
Telecommunications & Other Utilities
Telecommunications & Other Utilities
Fintech & Digital Platforms
Fintech & Digital Platforms
Insurance & Related Services
Insurance & Related Services
Government Sector Entities
Government Sector Entities

Consumer Credit Reports

Explore Detailed
Consumer Credit Reports

Gain deeper visibility into consumer credit behavior with reports designed to support faster decisions, lower risk exposure, and stronger portfolio performance.

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SIMAH © All Rights Reserved 
Saudi Credit Information Company, SIMAH, a Closed Joint Stock Company, Capital 400,000,000 Paid in Full- C.R 1010171047- Membership No.115731- , Toll Free No. 8003010046 , Fax No. 966112188797+ P.O Box 8859 Riyadh 11492- National Address: Riyadh, Al Sahafah, Building No. 3196, Additional No. 6243, Zip Code 13321. Under the Supervision and Regulation of SAMA with a License No. 2 / 37. www.simah.com