How to check your credit score in the UAE
Know your creditworthiness in the UAE by checking your credit score
Dubai: A good credit score unlocks valuable financial opportunities, making it easier to secure the loans and products you need. For just Dh10.50, you can check your score and understand your creditworthiness.
Your credit score is a number that represents your credit history and your ability to pay back loans and meet financial obligations. Think of it as a grade that indicates your overall financial reliability.
Why your credit score matters
A high credit score gives you the confidence to apply for loans, mortgages, credit cards, and other financial products. It can also help you secure better interest rates and make it easier to rent or buy a home.
Late or missed payments on credit cards, loans, utility bills (such as DEWA or SEWA), and postpaid mobile plans (for example, Etisalat and Du) are reported to the Al Etihad Credit Bureau (AECB). Over time, frequent missed payments can significantly damage your score. Even small oversights—like forgetting to pay rent, a phone bill, or an old bank account—can have a lasting impact.
How to access your credit score and report
Apply online through the AECB website or app:
Visit aecb.gov.ae or download the AECB app (available for iOS and Android).
Use your UAE Pass or sign up/log in using your Emirates ID and a valid email or phone number. You may need to verify your identity via a one-time password (OTP) sent to your registered mobile number.
Select the Credit Score Report option.
Pay the fee (around Dh10.50 for the score alone or Dh84 for the full credit report, including VAT).
Receive your score instantly in PDF format.
Some banks in the UAE also allow you to view your AECB score through their mobile banking app or online banking service. Examples include Emirates NBD, Mashreq, ADCB, and RAKBANK (availability may vary).
Other convenient options:
TAMM – Access your credit report and score by logging in with UAE Pass.
DubaiNow – Download the DubaiNow app, log in with UAE Pass, and check your credit health instantly.
Your credit score is not just a number, it’s a key factor in shaping your financial future. By knowing your score and maintaining it, you can take control of your financial health and unlock more opportunities.
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