Telecom operators use information in your Credit Report and Credit Score to assess your creditworthiness ahead of making their decision to provide you with postpaid phone services or device purchases on installment basis.

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 individual or an external entity in or outside the UAE, you can do that by:

• For individuals: indicate the email address of the recipient when buying the report through the AECB mobile app or website.
• For companies: indicate the email address of the recipient in the request form https://aecb.gov.ae/reportrequest

You can download the mobile app here:
 

To obtain your Credit Report and Credit Score visit https://aecb.ae or download the AECB CreditReport app available in the App Store, Google Play or by raising a request through AECB Contact Center. You will need to have your Emirates ID and registered mobile phone with you to complete the purchase process.

Documents required to delegate third party:

• Copies of the valid Emirates ID card and passport(s) of the person applying for his/her report.
• Original valid power of attorney
• Original Emirates ID of the third party authorized to get the report on behalf of the main applicant.

Usually the purchased Credit Report or Credit Score is sent to the registered email within 8 hours. However, sometimes an instance may occur where the system will automatically prevent the email from being sent for technical reasons. In this case please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

You will receive your Credit Report and/or Credit Score within 8 hours on your registered email.
If you were charged but did not receive your credit report or credit score, or if you are facing any payment difficulties, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

In order to calculate a Credit Score, we require a minimum period of credit history and some additional conditions. Some of the most common reasons why you cannot get a credit score are:

• You do not have enough information in the last 24 Months.
• You are a new borrower with less than 6 months of payment history.
• You are not a borrower yet.
• Your credit report has no updates in the last 12 Months and no recent activity can be used to calculate the credit score.
• You have not used your credit limits in the last 12 Months.

Your Credit Report and Score will always be sent to your registered email ID. However, you can access all previously purchased Credit Reports and Credit Scores through the AECB app or by logging into AECB website and viewing the Purchase History section.

The Credit Score is calculated using an algorithm based on modern predictive analytics methodologies. The same methodologies are commonly used in multiple global credit bureaus and banks. They take the vast information available in credit profiles into account, comparing this information to credit history and behavior of all individuals or companies in the UAE.

While a Credit Score is calculated using an algorithm and considers multiple credit profile aspects, certain behaviors can help improve your Credit Score such as:

• Making payments on or before the due date.
• Avoiding bouncing cheques.
• Reducing the number of credit cards and loans.
• Reducing outstanding balances and credit card limits utilization.

These are the main factors that contribute to better credit behavior and positively impact your 3-digit credit score. 
The final credit score is calculated using a credit score algorithm. This same algorithm uses many important variables which are modeled using international best practice methodologies, as well as UAE market trends, patterns, and regulations.