اعرف تقييمك الائتماني

تحكَّم في مستقبلك

يلعب تقييمك الائتماني دورًا أساسيًا عند تقديمك للحصول على قرض أو بطاقة ائتمان. تحقَّق من تقييمك خلال دقائق واعرف ما يراه البنوك والمموّلون.

سريع، آمن، ويساعدك على التخطيط بإحكام.

تحقَّق من تقييمي الآن
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Credit Profile

Navigate your credit with confidence.

بياناتك الائتمانية ملكٌ لك؛ تُبقيها ساي نت آمنة ومحدَّثة لتتخذ قرارات مالية أذكى.
التقييم الائتماني

اعرف تقييمك فورًا وافهم كيف يؤثر على قدرتك في الحصول على قروض أو بطاقات ائتمانية.

الملف الائتماني

عرض آمن ومفصّل لنشاطك الائتماني الحالي والسابِق — في مكان واحد

أهلية القرض

احصل على مؤشرات حول مدى احتمال تأهلك للقروض المستقبلية بناءً على بياناتك الائتمانية الحالية.

احصل على تقريري المجاني
CINET App
CINET App
CINET makes it easier to understand where you stand and what steps to take next. It’s your tool for confident, informed decisions.
Make Smarter Decisions

Knowing your credit score and history helps you plan better for loans, credit cards, or major purchases.

Spot Mistakes Early

Catch any errors in your report before they impact your financial reputation or borrowing chances.

Build Better Credit

By tracking your activity and staying informed, you can gradually improve your score and unlock more favorable offers.

We’re not a bank. We’re your independent credit guide—built to help you stay in control, with complete transparency and top security.
Trusted & Certified

CINET operates in accordance with Kuwait’s Law No. 9 of 2019 and is ISO 27001:2013 certified for information security.

Your Data, Always Protected

We never share your information without your consent. Your privacy is our priority.

Available Anytime, Anywhere

Access your credit profile through our app or website—quickly, securely, and whenever you need it.

Your credit score tells lenders how trustworthy you are with money. It affects everyday things more than you think.
Credit Card or Loan Application

Banks check your score before approving your requests or deciding your credit limit.

Build Your Home or Buy a Car

A better score means more chances for approval and better financing options.

Enroll Your Children in the Best Schools

If you're applying for educational financing, your score can make the difference.

Furnish Your Home or Upgrade Your Lifestyle

From personal loans to installment plans, your credit score opens the door.

The higher your score, the more confident lenders feel about helping you achieve your goals.

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Credit Advice

Effective credit tips for improving score

ما هو التصنيف الائتماني الجيد؟

التصنيف الائتماني يعكس قدرتك على إدارة أي تسهيلات ائتمانية، مثل القروض الشخصية، بطاقات الائتمان، وأي نوع من محافظ الائتمان الممنوحة لك. بشكل عام، يُعتبر التصنيف الائتماني الجيد هو الذي يتجاوز 480.

كيف تبني التصنيف الائتماني؟

بناء التصنيف الائتماني يتطلب إدارة التسهيلات الائتمانية المتاحة لك بشكل مسؤول. يشمل ذلك دفع الأقساط في مواعيدها للقروض، بطاقات الائتمان، أو أنواع أخرى من الحسابات الائتمانية. بالحفاظ على تاريخ دفع جيد، سيتحسن تصنيفك الائتماني مع مرور الوقت.

ما هي العوامل التي تؤثر على التصنيف الائتماني؟

Several factors influence your credit score.

Learn more
Check Your Credit Report Regularly

It is important to review your credit report regularly. This allows you to spot any errors or discrepancies that might be impacting your credit score.

FAQs

Frequently Asked Questions

CINET offers two types of credit reports: the Individual Credit Report and the Commercial Credit Report. These reports include comprehensive credit information, both positive and negative, along with credit rating indicators and detailed records of credit facilities granted to individuals and companies.

Credit information for individuals and companies is sourced from various entities, including banks, investment companies, finance companies, and other commercial institutions that provide credit facilities through installment-based transactions for goods and services. Additionally, any entities possessing credit-related data or information on customers’ fulfillment of their obligations contribute to this database. Such information is regularly updated in accordance with the CINET’s established guidelines.

In order to get your credit report, you can register through the website of CINET (www.cinet.com.kw), or download our application (CINET Kuwait) for IOS, Android, Huawei devices or smart tablets or by visiting CINET’s headquarters, or through your respective lending institutions.

The credit report allows you to review your credit history and financial obligations. Additionally, it includes your digital credit rating. Regularly checking your credit report ensures the accuracy of your credit information provided by entities subscribed to CINET.

A credit report consists of the following components:

  • Personal Information: Includes details such as name, ID type, ID value, gender, date of birth, registration date, nationality, and contact information.
  • Credit Facilities: Lists all active and closed credit facilities, including loans, credit cards, and financing details.
  • Payment History: Shows a record of past payments, including any delays or defaults.
  • Credit Score & Rating: Provides an assessment of creditworthiness based on financial behavior.
  • Legal Information: Contains any legal actions related to financial obligations, such as court case register date and date of removing legal action.
  • Credit Inquiries: Displays a list of entities that have accessed the customer's credit report.
  • Negative Information: Includes details of overdue payments, defaults, and any adverse credit history.

Negative information refers to any data that adversely impacts your creditworthiness.

CINET is only displaying history for the last 5 years in the Credit Report (CIR). And regarding the legal accounts, the status will remain for 3 years form the Date of removing Legal action.

Credit Scoring is a digital index based on statistical principles, specifically developed to align with the data and trends of the Kuwaiti credit market, in accordance with international best practices and standards. This index provides a summary of the customer’s entire credit history and is calculated using advanced mathematical and statistical methods, reflecting the rating score linked to the customer's ability to meet future financial obligations.

The Credit Scoring (digital assessment) is calculated based on information provided by data and information providers, including but not limited to the customer's payment history, outstanding obligations, credit history duration, credit inquiries, types of credit facilities used, and past financial status. The credit rating is dynamic and continuously updates based on the customer's credit behavior and adherence to timely obligation settlements. Any delays or failures in payments, partial settlements, maxing out credit card limits, or acquiring additional credit facilities may negatively impact the credit rating.

Register through the website of CINET (www.cinet.com.kw), or download our application (CINET Kuwait) for IOS, Android, Huawei devices or smart tablets. For activation, choose activation through Kuwait mobile ID application, where your account will be activated immediately.

If your account is locked, you can try to login again after 24 hours.

CINET Subscribed entities (data providers) are responsible for updating your credit information daily through either daily update files or the data correction function.

Individuals can obtain their credit report through the website of CINET (www.cinet.com.kw), or download our application (CINET Kuwait) for IOS, Android, Huawei devices or smart tablets, or by visiting CINET’s headquarters, or through their respective lending institutions.

Subscribed entities (data providers) cannot access your credit report without your consent (either written or digital through Kuwait Mobile ID - PACI). If you discover that your credit report has been accessed without your prior approval, you may raise a complaint/dispute with CINET.

Yes, you can request your credit report from CINET to obtain information about the entities that have inquired about or accessed your credit report.

You may submit a complaint or raise a dispute if you challenge the validity or accuracy of your credit data in your credit report, provided it was issued within the past 15 days.

You can submit a complaint or raise a dispute either by visiting CINET’s headquarters or through the CINET's online services (website or smartphone application). In both cases, you will need to complete the designated form for this purpose.

You are required to attach copies of the following:

  • Your credit report (issued within the last 15 days).
  • A valid civil ID.
  • Any supporting documents that substantiate your complaint (if applicable).

CINET responds to the customer's complaint within 15 days from the date the complaint is received by the concerned department.

If the customer disagrees with the response to their complaint, they may submit an appeal to the Central Bank of Kuwait within 15 days from the date they were notified of the complaint review outcome.

The opinion provided by the information provider regarding the customer's complaint is a technical opinion and cannot be relied upon or used as evidence in case the complaint is referred to the court. Additionally, no inquiries from the customer can be addressed except for the complaint under review.