Frequently Asked Questions

Your Credit Report is a document that includes your personal details, all your credit facilities, your payment history and bounced cheques information.

To obtain your Credit Report visit https://aecb.gov.ae/credit-report or download the AECB app available in the App Store and Google Play:
App Store: https://apple.co/2DeJQPu
GooglePlay: https://play.google.com/store/apps/details?id=com.aecb.app&hl=en

The Credit Score is a three-digit number that predicts the likelihood of an individual or a company to miss payments in the next 12 months. This Credit Score ranges from 300 to 900 and the higher your score the lower the level of risk. Your score is generated using statistical models that factor multiple data points from your credit profile.  

To obtain your Credit Score visit https://www.aecb.gov.ae/credit-score or download the AECB app available in the App Store and Google Play:
App Store: https://apple.co/2DeJQPu
Google Play: https://play.google.com/store/apps/details?id=com.aecb.app&hl=en

Financial Institutions such as banks, finance companies and insurance companies, non-financial companies such as telecom operators and large conglomerates and government entities such as water and electricity providers and courts. We also regularly assess the value of additional credit information sources and add them in accordance with applicable laws and regulations.

To obtain your Credit Report and Credit Score visit https://aecb.gov.ae or download the AECB app available in the App Store and Google Play.
App Store: https://apple.co/2DeJQPu
Google Play: https://play.google.com/store/apps/details?id=com.aecb.app&hl=en

The easiest way to access your Credit Report and Credit Score is by downloading AECB App or visiting our website. If, however, you would still like to have someone obtain credit report or credit score on your behalf then it is possible through a delegation letter (can be accessed here) or a notarized Power of Attorney authorizing the individual to obtain our Credit Report/ Score.

Federal Law No. (6) of 2010 on Credit Information and its amendments require that entities accessing your credit report must have your written consent in advance. Only lenders can request reports on their borrowers without their consent.

You can conveniently purchase your company's Credit Report and Credit Score by filling the form available at https://aecb.gov.ae/reportrequest

Direct Customers can buy any of the following products:

• Credit Report with Credit Score for individuals
• Credit Report for individuals
• Credit Report with Credit Score for companies
• Credit Report for companies
• Credit Score for individuals
• Credit Score for companies

There are additional products that are available for subscribers. For more information, you may reach out to the client engagement team on subscriptions@aecb.gov.ae

The Credit Report with Score for individuals is AED 105 including VAT and for companies is AED 231 including VAT. You may see further pricing details by accessing the pricing section available in the download section of our website: https://aecb.gov.ae/knowledge-centre/#Downloads
Direct link: https://aecb.gov.ae/sites/default/files/2019-10/Pricing%20Table%20-%20Poster.pdf

Your monthly payments history contributes to your financial footprint and knowing this information can help you control your finances.
This information is included in your Credit Report and constitutes your credit profile that banks, finance companies, telecom operators, government entities and other service providers use to assess your eligibility for better pricing and services.
So maintaining a good credit history and credit score can open the door to more financial opportunities and easier access to future credit facilities with beneficial rates.

The Credit Report reflects your credit history over the past five years. It includes your personal identity information, total credit/service exposure, amounts overdue, defaults, bounced cheques and your monthly payment patterns. The report will include information on your credit cards limits and utilization, your personal loans and credit facilities balances, service payment history with telecom operators and water and electricity providers. The report may also include additional credit information sourced from additional sources such as courts, governments entities, B2B users, etc.

2-year payment history on each active/closed credit facility and service and 5-year history of all bounced cheques.

The Credit Score is calculated using a complex algorithm based on modern predictive analytics methodologies commonly used in multiple global credit bureaus and banks and takes into account the vast information available in your credit profile and compares it to credit history and behavior of all individuals or companies in the UAE.

While a Credit Score is calculated using complex algorithms taking multiple attributes from your credit profile into consideration, certain credit behaviors can help in improving 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 which may positively impact your 3-digit credit score. The final credit score, however, is determined using a proprietary credit score calculation algorithm which uses many integral variables which are modeled using international best practice methodologies and UAE-specific market trends, patterns and regulations.  

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 do not 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 hence no recent activity can be used to calculate the Credit Score.
• You have not used your credit limits in the last 12 Months.

The information in your Credit Report is provided by banks, finance companies, telecom companies and other data providers. In case of any inaccuracy in your Credit Report, Al Etihad Credit Bureau can assist you to raise it with the respective Information provider. To raise a data correction request, please fill the form available on our website at https://aecb.gov.ae/correction
Please note that data correction requests for Bounced Cheques provided by the Central Bank of UAE cannot be disputed as this data is part of the unique country-wide cheque clearing system.

You can identify the Information Provider through the Provider Code section, that appears next to each information in the Credit Report. The Information Providers contact details can be found in the last section of the Credit Report which includes a list of symbols at to identify the provider of the information.

No individual or company is required to submit any information. Al Etihad Credit Bureau collects the information directly from the Information Providers as per its mandate under the Federal Credit Information Law (6) of 2010 and its updates.

In case of such disagreement between individual/company and information provider, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a data correction dispute.

If you have raised a data correction request through AECB then you will receive an email update as soon as the data is updated. Otherwise you will have to contact your information provider or purchase the Credit Report.
Please note, however, that Central Bank of UAE regulations specify that information providers are required to respond within 10 working days. We suggest you follow up on you request by replying to this email once this time period has passed.

Al Etihad Credit Bureau (AECB) does not play any role in reviewing, assessing or approving your application for credit facilities or products and services. The information in your Credit Report is used by banks, finance companies telecommunication operators, water and electricity providers, courts, government entities, etc to support them in making their own decision to disburse credit facilities or provide products or services.

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.
If you believe you still cannot get to the information you are after, you may visit our Customer Experience Centers in Abu Dhabi or Dubai.
For more details on locations please visit the About section on our website    https://aecb.gov.ae/about#Locations.

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.
If you believe you still would like to talk to a customer experience officer, you may call our Contact Center on 800-BUREAU (800-287328) Sundays to Thursdays from 8am to 4:00pm.

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, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request. 

You can obtain your Credit Report and Credit Score through our website https://aecb.gov.ae or by downloading the AECB app available in App Store and Google Play. You will need to have your Emirates ID, passport and registered mobile phone with you to complete the purchase process.
App Store: https://apple.co/2DeJQPu
Google Play: "https://play.google.com/store/apps/details?id=com.aecb.app&hl=en

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 in to the AECB website and viewing the Purchase History section.

The information provider reports this status in case they have reason to believe that the individual has left the UAE. This status could be flagged whether or not an individual has an overdue amount.
In case of any inaccuracy in your Credit Report, Al Etihad Credit Bureau can assist you to raise it with the respective Information provider. To raise a data correction request, please fill the form available on our website at https://aecb.gov.ae/correction.

Your credit report is not only a compilation of your credit history but also a reflection your behavior towards payment obligations. Defaults, missed payments and bounced cheques will always appear in your Credit Report up to a period of 5 years.

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.

Please follow the instructions mentioned in the email that contains your Credit Report in order to be able to open the file.
If you are having difficulties, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

Al Etihad Credit Bureau prices its products in line with the products and price list that is approved by the UAE Cabinet.
For the currently applicable price list, please visit this link https://aecb.gov.ae/sites/default/files/2019-10/Pricing%20Table%20-%20Poster.pdf

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

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.

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.

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:
App Store: https://apple.co/2DeJQPu Google Play: https://play.google.com/store/apps/details?id=com.aecb.app&hl=en

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

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

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.

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.

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

AECB collects data from UAE-based information providers. However, and as and when laws and regulations permit, AECB will add foreign credit data whenever possible.

Please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

Please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

A nominal amount is charged to your card in order to refer to it when confirming the addition of a new payment card on the app. This amount is only a pre-authorization which is not billable and is usually automatically released within two weeks. 

This is most likely an issue related to the card issuer. If you are still facing problems after verifying with your card issuer, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

Usually the purchased Credit Report or Credit Score is sent is sent to registered email within 8  hours. However, sometimes an instance may occur where the system will automatically prevent the email form 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.

Once the service request is registered you will receive a response from our Contact Centre within 5 working days.

This is most of the times an error related to the browser. You can download the AECB mobile app and try obtaining your credit report and score via mobile device. If the problem still persists on the website and you would like to provide feedback, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

This is most of the times an error related to the browser. You can download the AECB mobile app and try obtaining your Credit Report and Score via mobile device. If the problem still persists on the website and you would like to provide feedback, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.