Your credit score in the UAE is a 3-digit number (from 300 – 900) that reflects how likely you are to repay borrowed money.
Credit Score only: AED 10.50
Credit Report + Score:AED 84
It’s issued by the Al Etihad Credit Bureau (AECB) the only official credit bureau in the UAE.
300–619 = Poor
620–719 = Fair
720–819 = Good
820–900 = Excellent
It summarizes your
Loan and credit card history
Payment punctuality
Outstanding balances
Number of credit inquiries
Bounce cheque records (if any)
2. Where to Check Your Credit Score
You can check your UAE credit score through AECB in three main ways:
Option 1 — AECB Website
Step-by-step:
1. Go to [https://www.aecb.gov.ae](https://www.aecb.gov.ae)
2. Click on Get Your Credit Score or Get Your Credit Report
3. Sign up or log in using:
4. Your Emirates ID number
5. Your mobile number (linked to Emirates ID)
6. Verify via OTP
7. Pay the fee
8. Download your credit score or report (PDF) instantly, How to Check you Credit score in UAE
Fees:
Credit Score only: AED 10.50
Credit Report + Score:AED 84
Option 2 AECB Mobile App
Available on:
App Store (iOS) [Google Play]Steps:
1. Install and open the app
2. Sign up using your Emirates ID & mobile number
3. Verify via OTP
4. Choose “Get My Credit Report” or “Check My Score”
5. Pay via card or Apple Pay
6. View/download your report instantly
Option 3 AECB Customer Happiness Centers
You can visit in person:
Abu Dhabi: Al Etihad Credit Bureau HQ, Al Jazira Sports Club
Dubai: Central Park Towers, DIFC
Bring:
* Emirates ID (original)
* copyright & valid UAE Visa (for expats)
You can request your printed report there.
3. What’s included in Your Credit Report and How to Check you Credit score in UAE
Your credit report includes:
Personal info (ID, address, contact)
List of loans and credit cards
Payment history (last 24 months)
Late payments / defaults / bounced cheques
Total debt exposure
Credit score and risk summary
4. Tips to Improve Your UAE Credit Score
1. Pay on time: Even one late payment can drop your score.
2. Keep credit utilization below 30%. (Don’t max out Credit cards.)
3. Avoid frequent loan or card applications. Too many = High risk.
4. Don’t close old credit cards abruptly; they help build history.
5. Monitor your report every 6 months to catch errors.
5. Bonus: Quick Links
AECB Official Site https://www.aecb.gov.ae https://www.aecb.gov.ae
AECB App (iOS):
AECB App (Android)
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