Your Credit Report, from Al Etihad Credit Bureau ( AECB), is a document that includes your personal identity information, details of your credit cards, loans and other credit facilities, along with your payment and bounced cheque history.

The information in your Credit Report is provided  by banks, finance companies and telecom companies. Additional information from other sources such as utilities, real estate, government and other entities will be added in the future.

Your Credit Score, from AECB, is a three-digit number that predicts how likely you are to make your loan and credit card payments on time.
The number ranges from 300 to 900. A low score indicates a higher risk, whereas a higher score indicates a lower risk.

For Individuals
You can get your Credit Report and Credit Score online by visiting aecb.gov.ae or by downloading the AECB App, available in Google Play and App Store

For Companies
To get the Credit Report with score for Companies, visit AECB’s Customer Happiness Centres and provide 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 resolve inaccurate information in your Credit Report, you will need to contact the respective Information Provider who can correct and update your records. To contact your Information Provider, click here Once redirected to your email, please remember to attach any documents that support your claim.

How to register a Dispute?

If you are unable to reach a resolution with the information providers, you can email the required documents to disputes@aecb.gov.ae and register your dispute. Please note that to register a dispute you must be able to provide AECB with clear evidence that the record is incorrect.

1. Supporting documents (e.g. bank statements, payment receipts, contract repayment schedule, or any relevant document)
2. Credit Report data dispute Form (available here)

If you need assistance with filling your dispute form, click here

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.

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.

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 and other organizations, such as utilities, telecommunications companies, government etc.

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.

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.

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.

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 www.aecb.gov.ae for details.

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.