Dubai: A good credit score opens doors to better financial opportunities, making it easier to secure loans and products. For just Dh10.50, you can check your credit score in the UAE through the Etihad Credit Bureau and gain a clear understanding of your creditworthiness.
What is Credit score ?
Credit score represents your credit history and shows your ability to pay loans and meet financial obligations. It acts like a grade that indicates your overall creditworthiness.
Why do you need Credit Score?
In the UAE, a credit report gives the confidence to apply for loans, mortgages, credit cards, and other financial products. It can help you secure better interest rates and makes easier to buy homes.
But every missed payment—whether it’s for a credit card, loan, utility bill like DEWA or SEWA, or a postpaid mobile plan with Etisalat or Du—is reported to the Al Etihad Credit Bureau (AECB). Over time, these missed payments can lower your credit score, and repeated delays can seriously damage it. Even small mistakes, like forgetting to pay your rent, a phone bill, or an old bank account, can leave a long-lasting mark on your credit history.
How to Check Credit Score and AECB Report
To check your credit score in the UAE,Apply online through the AECB website or application:
1) Simply visit aecb.gov.ae or download the AECB app on iOS or Android.
2) Log in with your UAE Pass, or sign up using your Emirates ID along with a valid email and phone number. You’ll need to verify your identity with a one-time password (OTP) sent to your registered mobile.
3) Once you’re in, choose the Credit Score Report option.
4) The fee is about Dh10.50 if you just want your score, or Dh84 for the full credit report (including VAT).
5) After payment, your score will be ready instantly in a downloadable PDF format.
More convenient options,
TAMM – Access your credit report and score by logging in with UAE Pass.
DubaiNow – Download the DubaiNow app, log in with UAE Pass, and check your credit health instantly.
Credit score in the UAE is more than just a number. It’s a powerful tool that shapes financial future. By checking your AECB report from the Al Etihad Credit Bureau and keeping your score healthy, you take control of your financial well-being and open the door to better loans, lower interest rates, and more opportunities.
