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Joint credit facilities will appear on the individual credit report of both individuals.

If you are a resident of the UAE but do not have and Emirates ID, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

A Credit Report will show your active and closed credit facilities and services. If you do not have any credit facilities or services, or new to the UAE, then you will receive a Credit Report that includes your personal information only.

For any requests related to subscriptions, please send an email to Subscriptions@aecb.gov.ae and our team will respond accordingly.

Each credit facility in the Credit Report will show a color-coded 24-month history indicating whether the payment was made on time or delayed. If the payment for a particular month was paid more than 90 days after the due date, the box will be shaded red. If the payment for a particular month was paid with a delay up to 90 days after the due date, the box will be shaded yellow. If the payment for a particular month was paid on or before the due date, the box will be shaded green.

The personal historical information like addresses and previous employment records remains in the credit report even after a submission of new record. The old records will appear under the historical heading of the personal information.

AECB Credit Reports and Credit Scores are electronic and does not require stamps or signatures.
If you would like to share your Credit Report or Credit Score with an external entity in or outside the UAE, then you can send an authenticated report to the external entity email address when buying the report through the AECB mobile app.
You can download the mobile app here:

Download our App

Al Etihad Credit Bureau accepts credit cards, debit cards, E-Dirham cards and soon mobile payment methods such as Apple Pay and Google Pay.

Information providers submit updated data to AECB on a daily basis. For non-banking sector, data is submitted on a monthly basis due to its static nature.

Guarantor's information appears against each credit facility in the credit report as mandated by the Central Bank of the UAE regulations.