Al Etihad Credit Bureau
Good credit opens new opportunities

What is a Credit Score?
 
 
WHAT IS A CREDIT SCORE?

It is a three-digit number that predicts the likelihood that you will make your loan and credit card payments on time, based on your previous credit and payment behavior.

The number ranges from 300 to 900. A low score indicates a higher risk, whereas a higher score indicates a lower risk.

 
 
What is a Credit Score used for?

The Credit Score will help financial institutions make better-informed decisions, process credit card and loan applications faster and provide preferential benefits for those with high scores.

 
 
How is the Credit Score calculated?

The Credit Score is calculated using information from various sources, like banks, finance companies and telecom companies.

Your Credit Score is dynamic, and changes according to your credit and payment behaviour. Missing or delaying a payment beyond the due date, frequently utilizing all your credit card limits, or taking on additional loans or credit cards may lower your Score.

However, reducing the number of credit cards, consistently reducing outstanding balances, and making payments on or before the due date will improve your Credit Score.

 
 
How do I get my Individual Credit Score?

Visit one of our Customer Service Centers and provide an original valid Emirates ID Card, Passport(s) Copy and a valid Email Address. You can pay with credit, debit or e-dirham cards.

 
 
How do I get my Corporate Credit Score?

To get the Corporate Credit Report with the score, visit one of our Customer Service Centers and provide an original valid Emirates ID card of the Establishment’s owner or the Company’s authorized signatory, an original valid Trade License of the Company / Establishment, the original Articles of Association of the Company and a valid Email Address. You can pay with credit, debit or e-dirham cards.

 
 
How Much does the Credit Score Cost?
Report Type AED
Credit Report - Individual or Establishment 100
Credit Report - Individual or Establishment with Score 150
Credit Report - Corporate 180
Credit Report - Corporate with Score 220
Credit Score - Individual 60