Obtain a Credit Report

What Is a Credit Report?

Your credit report is a comprehensive summary of your financial history, including your credit accounts, repayment behavior, and overall creditworthiness. Whether you’re applying for a loan, credit card, or planning a big financial move, obtaining your credit report is a crucial first step in understanding and improving your financial health.

A credit report is a detailed record maintained by credit bureaus that includes:

Personal Information: Name, address, and other identifying details.
Credit Accounts: Details of loans, credit cards, and other credit facilities.
Payment History: Timely payments, missed payments, or defaults.
Credit Inquiries: A list of entities that have accessed your credit report.
Public Records: Bankruptcies or legal judgments impacting your credit.

This report helps banks, lenders, and even employers assess your financial behavior and determine your creditworthiness.

Why Should You Obtain Your Credit Report?

Understand Your Financial Health: A credit report offers a clear picture of your current financial standing.
Improve Your Credit Score: Identify areas for improvement, like paying off debts or reducing credit utilization.
Detect Errors: Ensure all listed information is accurate and dispute any discrepancies that may affect your score.
Prepare for Loan Applications: A clean and accurate credit report boosts your chances of approval.
Monitor Against Fraud: Regular checks help detect unauthorized activities like identity theft.

How to Obtain Your Credit Report in the UAE

Follow these simple steps to access your credit report:

Choose a Credit Bureau: In the UAE, Al Etihad Credit Bureau (AECB) is the authorized credit reporting agency.
Provide Necessary Documents: Typically, you’ll need your Emirates ID, passport copy, and a small fee.
Request Online or In-Person: Visit AECB’s website for an online application or visit their office for assistance.
Receive Your Report: Your report will be provided electronically or as a printed document, depending on your preference.

Documents Required to Obtain Credit Card Report

To obtain a Credit Report, you can visit the Al Etihad Credit Bureau Customer Service Centers or click here to submit your request online. For individuals, the required supporting documents to obtain a Credit Report are:

The original Emirates ID card of the Applicant.
Passport copy of the Applicant.
In the case of Authorization, one must bring the following:
A copy of valid Emirates ID card and passport of the customer (owner of the Credit Report).
The original Emirates ID card of the authorized person.
Original notarized Power of Attorney acceptable to the Al Etihad Credit Bureau or an Authorization Letter that includes authentication of the customer’s signature, from the bank.
Credit Report Consent Form (available online) duly filled in

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