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 companies in the UAE as allowed by the laws and regulations of the UAE.

Apply for a Credit Report

What is a Credit Report?

A Credit Report is a historical credit data from various financial institutions, utilities, government, etc., on individuals and companies in the UAE.

The report will include:

  • Record of current and previous credit facilities
  • Payment history over the last 24 months
  • Payments overdue
  • Records of any defaults and bounced cheques
How to obtain your Credit Report?

To obtain a Credit Report, customers should visit the Customer Service Centre at Al Etihad Credit Bureau (AECB) and apply for a Credit Report. The required supporting documents to obtain a Credit Report are:

For Individuals

  1. The original Emirates ID card of the Applicant.
  2. Passport copy of the Applicant.
  3. In the case of authorization, one must bring the following:
    • A copy of the customer’s 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 AECB or an authorization letter that includes authentication of the customer’s signature, from the bank.
    • Credit Report Consent Form (available online) duly filled in.

For more information, call 600 566 662 or visit www.aecb.gov.ae

To Dispute Information on your Credit Report

Credit Report Dispute Process

Please follow these steps if you think that any of the information in your Credit Report is not correct:

  1. Visit Al Etihad Credit Bureau (AECB) to register a dispute.
  2. The AECB Customer Service Representative will raise a dispute flag in the system.
  3. The AECB Data Management Team verifies the dispute with the concerned credit providers within a maximum of 20 working days.
  4. The AECB Customer Service Representative contacts the customer and provides feedback regarding the dispute.

The required Supporting Documents for an Information Dispute for individuals:

  1. The original valid Emirates ID card of the customer.
  2. In the case of authorization, one must bring the following:
    1. A copy of the customer’s valid Emirates ID card and passport of the customer (owner of the Credit Report).
    2. The original and valid Emirates ID card of the authorized person to file a dispute.
    3. Original notarized Power of Attorney acceptable to the AECB or an authorization letter that includes authentication of the customer’s signature, from the bank.
  3. Fill in a dispute form (available online) and attach the following documents:
    1. A valid Credit Report (Recent).
    2. All documents that support the validity of the customer dispute.

Following up on your dispute

Al Etihad Credit Bureau (AECB) will follow up customer’s dispute in coordination with the lending institution that provided the data to the AECB to ensure their validity. The Customer Service Representative will contact customers to provide them with feedback on their dispute within a maximum of 20 working days. The AECB will not correct or change the data contained in the Credit Report as, according to the Law, it is the responsibility of the credit providers to take the necessary action in case inaccurate data is discovered.

For more information, call 600 566 662 or visit www.aecb.gov.ae

Frequently Asked Questions

Can I have access to my own Credit Report?
Yes. Individuals or companies will be entitled to purchase their own report, through visiting Al Etihad Credit Bureau (AECB).

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.

I consider my Credit Report to be incorrect / I am suspecting personal information fraud. What can I do about it?
Consumers and companies can dispute data presented in their Credit Report in any of AECB’s customer service locations, if they can prove that it is incorrect by providing supporting documents. For disputes, please visit the dispute web page in the AECB website www.aecb.gov.ae

Customer Service Centers:
Abu Dhabi office P.O. Box. 111212 Emirates Real Estate Building, 8th Floor,
Near Ministry of Finance - Al Falah St., Abu Dhabi
Dubai office
P.O. Box. 6566 Rolex Tower, 25th Floor, Sheikh Zayed Road,
Dubai

For more information, call 600 566 662 or visit www.aecb.gov.ae

Customer Service Centers:
Abu Dhabi office
P.O. Box. 111212 Emirates Real Estate Building, 8th Floor,
Near Ministry of Finance - Al Falah St.,
Abu Dhabi, UAE
Dubai office
P.O. Box. 6566 Rolex Tower, 25th Floor,
Sheikh Zayed Road,
Dubai, UAE

For more information, call 600 566 662 or visit www.aecb.gov.ae