PERSONAL FINANCEUAE Credit Score (AECB): Range, What Affects It and How to Check

UAE Credit Score (AECB): Range, What Affects It and How to Check

Your credit score in the UAE comes from the Al Etihad Credit Bureau (AECB). Banks and lenders use it to decide whether to approve you and at what price, so it is worth knowing where you stand before you apply.

The Score Range

Scores run from 300 to 900, and a higher number means a lower chance of default. Banks often describe the bands roughly like this, though these are guidance rather than official labels:

What Affects It

• Your payment history on credit cards and finance products.
• How much you owe in total.
• How much of your credit limit you use.
• The number of active cards and finance facilities.
• Bounced cheque records.

Short-term credit now counts too. Buy Now, Pay Later and micro-loan data such as CashNow are being added to reports, so small app loans can help or hurt your record. See our micro-loans credit report explainer.

How to Check Your Report

1. Log in to the AECB website or app with UAE Pass or your Emirates ID credentials.
2. Choose a score-only report or a full credit report.
3. Confirm your identity with your Emirates ID number and a verified UAE mobile number or email.
4. The report arrives instantly as a PDF.

Checking your own score is a soft enquiry and does not lower it. A full report carries an extra fee, so check the current price in the app.

Fixing a Mistake

If a payment is wrongly shown as missed, email disputes@aecb.gov.ae with supporting documents. Providers are expected to respond within 7 to 10 working days. Negative entries can stay on your file for several years depending on their nature, so clearing late payments early limits the damage.

Simple Habits That Help

• Pay every instalment and card minimum on time. Auto-pay helps.
• Keep your card balances well below your limit.
• Avoid applying for several credit products in a short period.