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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.

The easiest way to view your Credit Report and Credit Score is to download the AECB CreditReport App or visit our website. If, you want someone to receive your Credit Report or Credit Score on your behalf, there are two options here. First, you can fill out a delegation letter accessible here. Second, a Power of Attorney authorizing other person to receive them.

We have extensive information on our website on Al Etihad Credit bureau, our products and frequently asked question. We have also made all our products available to be electronically purchased through AECB website and mobile apps and through AECB Contact Center.
If you believe you still cannot get to the information you are after, you may contact our Contact Center 800-BUREAU (800-287328) Monday to Saturday from 8:00am to 4:00pm

For more details on locations, please visit the "Contac Us" section on our website  


Entities accessing your credit report must first have your consent. This aligns with the UAE Federal Law No. (6) of 2010 on Credit Information and its amendment in Federal Decree Law No. (8) of 2020. Any company subscribing to AECB services, such as UAE banks, telecommunication companies or government entities can request reports on their customers without their consent if a payment is outstanding.