Know Your Credit Score

Individuals can obtain their credit report by downloading our application (CINET Kuwait) for iOS, Android and Huawei devices or by visiting CINET’s headquarters, or through their respective lending institutions.

Subscribed entities (data providers) cannot access your credit report without your consent, which requires your authorization through a customer consent form. 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.

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 scoring 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 by downloading our application (CINET Kuwait) for iOS, Android, and Huawei devices 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 scoring . 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 (based on customer type: individual or commercial) – Includes details for example but not limited to: 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, for example but not limited to: 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.

CINET's subscribed entities (data providers) are responsible for updating your credit information on a daily basis, either through daily update files or by using the data correction function.

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 from the date of removing legal action.

Register by downloading our application (CINET Kuwait) for iOS, Android and Huawei devices. 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.

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.

You do not have any historical records from the past two years by which the customer's credit behaviour can be evaluated.

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:

1. Your credit report (issued within the last 15 days).
2. A valid civil ID.
3. 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.