Al Etihad Credit Bureau 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 companies in the UAE as allowed by the laws and regulations of the UAE.

Credit Report & Benefits

Credit Report- Bankbychoice What is a Credit Report?

A Credit Report is a collection of historical credit data from various financial institutions, utilities, governments etc on individuals and companies in the UAE. The report includes:

Record of current and previous credit facilities

Payment history over last 24 months

Payments overdue

Records of any defaults and bounced checks

How will a Credit Report benefit you?

Helps you understand your credit-worthiness

Lowers the costs of credit for a good borrower

Provides greater access to capital for Small & Medium Businesses

The process of obtaining approval for borrowings (i.e. loans, credit cards etc…) will be more transparent and accurate


A credit bureau, also known as a credit reporting agency, is an entity that collects and maintains financial information about individuals and businesses. This information is used by lenders, creditors, and other organizations to assess an individual’s creditworthiness, which is the likelihood that they will repay their debts on time.

Credit bureaus gather data from various sources, including banks, credit card companies, mortgage lenders, and other financial institutions. They compile this information into credit reports, which typically include details such as a person’s credit accounts, payment history, outstanding debts, and any public records like bankruptcies or liens.

One of the primary functions of credit bureaus is to calculate credit scores based on the information in the credit reports. These scores provide a numerical representation of an individual’s credit risk and are used by lenders to determine whether to extend credit, and if so, at what terms (such as interest rates and credit limits).

If you’re considering legal options for exiting your timeshare, it’s essential to understand how your credit may be affected. Credit bureaus play a crucial role in the financial system by helping lenders make informed decisions about extending credit. They also provide individuals with access to their credit reports and scores, allowing them to monitor their financial health and take steps to improve their creditworthiness if needed. Understanding the impact on your credit is vital when exploring avenues such as the one discussed in this resource: “


In many countries, there are multiple credit bureaus competing in the market, each with its own methods for collecting and reporting data. However, they are typically regulated to ensure accuracy and fairness in the credit reporting process.