Credit Report & Score
We have extensive information on our website on Al Etihad Credit bureau, our products and frequently asked question. We have also made all our products available to be electronically purchased through AECB website and mobile apps and through AECB Contact Center.
If you believe you still cannot get to the information you are looking for, you may contact our Contact Center 800-BUREAU (800-287328) Sunday to Friday from 8:00am to 4:00pm.
To obtain your Credit Report and Credit Score visit https://aecb.ae or download the AECB CreditReport app available in the App Store, Google Play or by raising a request through AECB Contact Center. You will need to have your Emirates ID and registered mobile phone with you to complete the purchase process.
Documents required to delegate third party:
AECB Credit Reports and Credit Scores are electronic and does not require stamps or signatures.
If you would like to share your Credit Report or Credit Score with an individual or an external entity in or outside the UAE, you can do that by:
You can download the mobile app here:
Usually the purchased Credit Report or Credit Score is sent to the registered email within 8 hours. However, sometimes an instance may occur where the system will automatically prevent the email from being sent for technical reasons. In this case please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.
Telecom operators use information in your Credit Report and Credit Score to assess your creditworthiness ahead of making their decision to provide you with postpaid phone services or device purchases on installment basis.
You will receive your Credit Report and/or Credit Score within 8 hours on your registered email.
If you were charged but did not receive your credit report or credit score, or if you are facing any payment difficulties, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.
The Credit Score is calculated using an algorithm based on modern predictive analytics methodologies. The same methodologies are commonly used in multiple global credit bureaus and banks. They take the vast information available in credit profiles into account, comparing this information to credit history and behavior of all individuals or companies in the UAE.
While a Credit Score is calculated using an algorithm and considers multiple credit profile aspects, certain behaviors can help improve your Credit Score such as:
These are the main factors that contribute to better credit behavior and positively impact your 3-digit credit score.
The final credit score is calculated using a credit score algorithm. This same algorithm uses many important variables which are modeled using international best practice methodologies, as well as UAE market trends, patterns, and regulations.
In order to calculate a Credit Score, we require a minimum period of credit history and some additional conditions. Some of the most common reasons why you cannot get a credit score are:
Your Credit Report and Score will always be sent to your registered email ID. However, you can access all previously purchased Credit Reports and Credit Scores through the AECB app or by logging into AECB website and viewing the Purchase History section.