View your AECB credit score: where to check and what lenders see is essential for anyone who plans to borrow money, apply for a mortgage, or obtain a credit card in the UAE.
Your score is not only a number it reflects your financial behavior and is a key input in lender decisions.
In this guide, you will discover how to check your credit score via official channels in the UAE, what components lenders examine in your credit report, and tips to maintain or improve your credit reputation.
What Is the AECB and Why It Matters
The Al Etihad Credit Bureau (AECB) is the UAE’s central credit information agency that collects data from banks, lenders, telecom providers, utilities, courts, and other institutions to build credit reports for individuals and companies.
The AECB score typically ranges between 300 and 900. A higher number suggests lower credit risk.
Lenders including banks, mortgage providers, credit card issuers review your credit report and score to assess:
- Your history of repaying debts
- Outstanding balances and credit utilization
- Past defaults, late payments, or bounced cheques
- Number of credit inquiries
- Credit mix (loans, credit cards, financing)
- Public records, judgments, or court actions
Essentially, your AECB report gives lenders a snapshot of your financial behavior and creditworthiness in the UAE.
Where to Check Your AECB Credit Score
Here are the main legal and official ways to view your AECB credit score in the UAE:
- AECB Website / Portal
Access the “Credit Score / Credit Report” section on the official Etihad Credit Bureau site using Emirates ID. Options include score only or full report (fee applies). - AECB Mobile App
Available on iOS and Android. Authenticate with Emirates ID and OTP to access score/report. - Government Services Apps
Apps like TAMM (Abu Dhabi) or DubaiNow integrate AECB services via UAE Pass authentication. - Through Bank or Financial Institution Apps
Some UAE banks let customers view their AECB score in-app, sometimes free or with a small fee.
Cost & Frequency
- Credit score check: ~AED 10–30
- Full report: ~AED 80–100+
- Self-checks are “soft inquiries” — they do not affect your score
- Recommended: once/twice per year, or before applying for major loans
What Lenders See in Your AECB Report
- Personal information — name, Emirates ID, address, employment history.
- Credit accounts & history — loans, credit cards, mortgages, open/closed status, balances.
- Payment history — on-time, late, or missed payments; defaults.
- Credit utilization — percentage of available credit used.
- Credit inquiries — number and frequency of applications.
- Delinquencies, judgments, collections — legal or collection records.
- Public records — liens, legal actions, court orders.
- Recent salary & obligations — reported salary and liabilities to assess repayment capacity.
Lenders use this combined data to approve/reject applications, set interest rates, limits, or request collateral.
What’s a “Good” AECB Score & What Happens with Low/High Score
- Above 700–750+: considered good or excellent.
- Below 600: riskier, fewer approvals, higher interest, or rejections.
- High scores = lower risk, better limits & rates. Low scores = stricter terms, possible rejection.
Tips to Improve or Protect Your AECB Credit Score
- Make timely payments on loans and cards.
- Keep utilization below 30% of available credit.
- Maintain aged, active accounts.
- Avoid applying for multiple new products in short spans.
- Check your report regularly; dispute errors.
- Reduce outstanding debts.
- Avoid defaults, bounced cheques, or legal judgments.
- Use a healthy mix of credit responsibly.
Example Workflow
- User downloads AECB app, registers with Emirates ID + OTP.
- Selects “Credit Score” (AED 10–30) or “Credit Report” (AED 80+).
- Sees credit score (e.g., 710) and can download PDF report.
- Lender views score, accounts, payment history, defaults, and inquiries.
- If high utilization/missed payments exist → lender may ask higher income proof, bigger down payment, or impose stricter terms.
Conclusion
When you view your AECB credit score: where to check and what lenders see, you gain a clear window into your creditworthiness in the UAE.
By accessing your score through the AECB website, mobile app, government portals, or certain bank apps, you can monitor your financial health and address errors early.
Lenders evaluate much more than the number they analyze payment history, credit utilization, inquiries, and public records.
A strong AECB score opens doors to better loans and smoother approvals, while a weaker score can limit options and raise costs.
Managing your credit responsibly ensures that your AECB profile is an asset in reaching financial goals.