Saudi Credit Bureau (SIMAH) is the first licensed credit information company in Saudi Arabia, established in 2002 and operational since 2004. It operates under the supervision of the Saudi Central Bank (SAMA) and focuses on credit risk assessment for individuals and businesses. SIMAH was originally founded by ten Saudi banks and became a closed joint-stock company in 2014, with a capital of SAR 400 million. SIMAH provides a range of services, including consumer and commercial credit reporting through its FINDATA network, which aggregates data from approximately 474 sources. The company introduced the FICO® Score in 2022 to standardize creditworthiness assessments. Additionally, it offers specialized data solutions like SIMATI, SIMAT, and MOARIF for tailored credit analytics. SIMAH serves financial institutions and businesses, helping them evaluate loan applicants and manage B2B risks, while ensuring compliance with regulatory standards to enhance financial stability in the country.