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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 Etihad Credit Bureau app or by logging into Etihad Credit Bureau website and viewing the Purchase History section.

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.