AECB Credit Score and Credit Report

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Al Etihad Credit Bureau (AECB) is a Federal Government organization that collects credit data, information, and financial commitments from banks and financial institutions in order to provide accurate Credit Reports to individuals, financial institutions, and businesses in the United Arab Emirates, as permitted by UAE laws and regulations.

What Is the Credit Report?

  • Your Al Etihad Credit Bureau ( AECB) Credit Report is a record that contains information about your personal identity, credit cards, loans, and other credit facilities, as well as payment and bounced check history. Banks, banking institutions, and telecom companies contribute the information in your credit report. In the future, additional data from other sources, such as utilities, real estate, government, and other institutions, will be included.

What Is the Credit Score?

  • AECB’s Credit Score is a three-digit figure that indicates your likelihood of making timely loan and credit card payments. The value varies between 300 and 900. A low number suggests a greater risk, whereas a high score indicates a reduced risk.

credit score tool

How to obtain your Credit Report and Score?

  • Regarding Individuals
    You can get your credit report and score online at or by downloading the AECB App from Google Play or the App Store.For Businesses
    Visit AECB’s Customer Happiness Centres with the original valid Emirates ID card of the Establishment’s owner or the Company’s authorized signatory, the original valid Trade License of the Company / Establishment, and the original Articles of Association of the Company to obtain the Credit Report with Score for Companies.

For more information, visit or download the AECB

To Dispute Information on your Credit Report

What if my credit report contains incorrect information?

  • To rectify or update faulty information on your credit report, contact the appropriate Information Provider. Click here to contact your Information Provider. Please remember to attach any papers that support your claim after you’ve been linked to your email. How do I file a complaint? If you are unable to reach an agreement with the information providers, you may file your disagreement by emailing the relevant papers to But keep in mind that in order to file a dispute, you must be able to show AECB that the record is wrong.

Documents Required to file a Dispute

    1. Supporting documents (e.g. bank statements, payment receipts and contract repayment schedule or any relevant document)
    2. Credit Report data dispute Form (available here)
    3. If you need assistance with filling your dispute form, click here

Frequently Asked Questions

1.How can I access my Credit Report and Credit Score – Individuals?

To get your Credit Report click here or download our App, available in Google Play and Apple store.

2. How can I access Credit Report and Credit Score- Companies*?

To get Credit Report – Companies should visit our Customer Happiness Centers and provide the following:

  1. Original valid Emirates ID card of the Establishment’s owner or the Company’s authorized signatory.
  2. Original valid Trade License of the Company / Establishment.
  3. The original Articles of Association of the Company.

3. Do I have to provide any information for my Report to be created?

No. Al Etihad Credit Bureau (AECB) will be collecting information on individuals credit applications, payment behavior and debt records from all UAE lending institutions. Also  from other organizations such as utilities, telecommunications companies and government etc.

4. Can the Al Etihad Credit Bureau accept or deny my loan application?

The Al Etihad Credit Bureau is not a decision maker. Banks and financial institutions (credit providers) are the decision makers and first point of contact for any loan or credit applications.

5. How can I make sure my Credit information is protected and secure?

Information confidentiality and data protection is of utmost importance to the Al Etihad Credit Bureau. Information will be kept confidential as per the laws and regulations of the UAE.

6. What is a Consent?

A Consent is a signed approval by an individual or a company for lending institutions or any other entity authorized to obtain Credit Reports from the Al Etihad Credit Bureau on individuals or companies. This approval must be in writing.

7. Do I have to pay to access my Report?

There is a fee for individuals and companies to purchase their reports. Please visit the Al Etihad Credit Bureau website for details.

8. What if my Credit Report contains incorrect information?

To resolve inaccurate information on your report, you will need to contact your Information Provider who can correct and update your records. For Information Providers contact details, click here.

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