Al Etihad Credit Bureau is a Public Joint Stock Company wholly owned by the UAE Federal Government. As per UAE Federal Law No. (6) of 2010 concerning Credit Information, the company is mandated to regularly collect credit information from financial and non-financial institutions in the UAE. Al Etihad Credit Bureau aggregates and analyzes this data to calculate Credit Scores and produce Credit Reports that are made available to individuals and companies in the UAE.
Developed exclusively for predicting individual risk through utilising historical data patterns and repayment behaviours reported to AECB, this Individual Credit Score allows financial institutions to undergo faster risk assessments and enables them to take accurate and prompt decisions. Thus, decreasing hefty manual paperwork and reducing bottlenecks which would often need to be accommodated by customers.