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:

  1. Choose a Credit Bureau: In the UAE, Al Etihad Credit Bureau (AECB) is the authorized credit reporting agency.
  2. Provide Necessary Documents: Typically, you’ll need your Emirates ID, passport copy, and a small fee.
  3. Request Online or In-Person: Visit AECB’s website for an online application or visit their office for assistance.
  4. 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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