In today’s fast-paced digital world, understanding your financial credibility is more crucial than ever. Discover how residents of the UAE can effortlessly check their credit score, stay informed, and take charge of their financial health.
Dubai : A strong credit score is no longer just a number—it’s the cornerstone of financial empowerment. With the Al Etihad Credit Bureau (AECB) making credit reports both affordable and instantly accessible, everyone in the UAE has the power to track and manage their financial wellness.
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Residents can now access their credit score through the AECB’s official digital channels. Here's how:
Visit the AECB website or download the AECB mobile app for iOS or Android.
Log in using UAE Pass or Emirates ID, verify your identity with your registered email or phone number (via OTP), and navigate to the "Credit Score Report" section.
Choose your option: pay AED 10.50 (including VAT) for the credit score alone, or AED 84 for the comprehensive credit report.
Download the result instantly—you'll receive your score or full report in a convenient PDF format.
This integration into AECB’s digital systems—including the app’s integration with UAE Pass—has paved the way for seamless and secure user access.
In an exciting move toward digital integration, AECB has partnered with banks and key government apps:
Banks like Emirates NBD, Mashreq, ADCB, and RAKBANK now allow users to view their AECB score directly within their mobile banking platforms—availability may vary depending on the bank.
DubaiNow app: Users can get instant access to their credit score and report with just a tap via this government-backed app.
TAMM platform: In Abu Dhabi, TAMM users can log in with UAE Pass to access their credit report and score.
This is part of the broader “We the UAE 2031” digital vision—making essential services faster, more accessible, and integrated into everyday apps.
Understanding your credit score equips you with insights into your financial reputation:
AECB Score Range: Scores range between 300 (very high default risk) to 900 (strong creditworthiness). Scores above 700 are generally considered good; scores under 400 could lead to loan or credit denials.
Used by More Than Just Banks: Landlords, insurance firms, telecommunications providers, and even employers may consider your credit score before extending services.
How the Score Is Calculated: It reflects your payment history, credit usage (ideally under 30–40%), credit mix, duration of credit history, and number of recent credit applications.
Be cautious—several everyday oversights can hurt your credit score:
Late or missed payments on any bill (credit cards, utilities, mobile plans, rent) can cause significant damage if overdue by 30 days.
High credit utilization, bounced cheques (especially from rental agreements), unpaid fines, and court judgments can all hurt your credit standing.
Even buy-now-pay-later (BNPL) purchases, if missed, can negatively impact your score if reported to AECB.
Hidden pitfalls include unpaid service charges (developer or homeowners association fees), dormant accounts with accumulated fees, expired Emirates IDs (leading to missed notices), and unpaid insurance premiums—each of which can escalate to legal or financial issues.
If your credit score needs work, improvement is possible—with time and diligence:
Pay on time, every time—avoid bounced cheques and keep balances low.
Keep credit utilization below 30%, and avoid closing old accounts, which can shorten your credit history and reduce available credit.
Limit new credit applications, as multiple hard inquiries in a short period may negatively affect your score.
Monitor your report regularly to spot and dispute any inaccuracies via the AECB’s data correction process.
Improvement timeframe: Expect to see progress within 6–12 months; reaching an excellent score (above 700) may take up to two years.
In an era where your credit score is increasingly a reflection of your financial identity, the UAE has made this critical metric transparent, accessible, and actionable. From AECB’s digital tools to integrated banking platforms, staying on top of your credit health has never been easier.
