If you live in the United Arab Emirates (UAE) or plan to move here, one of the most important numbers in your financial life is your credit score. It might not seem exciting at first, but this three-digit number can decide whether you get approved for a loan, a credit card, or even a new apartment.
In this guide, we’ll explain how to check your credit score in the UAE, why it matters, and what you can do to keep it healthy. Don’t worry—we’ll keep it simple and easy to follow.
What Is a Credit Score?
Your credit score is a number that represents how trustworthy you are with money, especially when it comes to paying back what you borrow.
In the UAE, credit scores range from 300 to 900. The higher the number, the better your financial reputation. A high score means banks and lenders see you as a low-risk borrower, while a low score may make it harder to get approved for financial products.
Why Is Your Credit Score Important in the UAE?
Before you learn how to check your credit score in the UAE, it’s important to understand why it matters so much.
Banks, landlords, and sometimes even employers use your credit score to judge your financial reliability. Here’s where it comes into play:
- Loan approvals for personal, car, or home loans.
- Credit card eligibility and approval limits.
- Rental property agreements, where some landlords request credit reports.
- Access to lower interest rates and better financial offers.
Who Calculates Credit Scores in the UAE?
In the UAE, the official body that manages and provides credit reports is Al Etihad Credit Bureau (AECB).
The AECB collects information from banks, telecom companies, and other financial institutions to create your credit report and credit score. This report includes details such as your payment history for loans and credit cards, any late payments, outstanding debts, and how long you’ve held your credit accounts.
How to Check Your Credit Score in the UAE
Here’s the step-by-step process for how to check your credit score in the UAE:
1. Visit the AECB Website or Mobile App
You can check your score online through the AECB official website or by downloading their mobile app on iOS or Android.
2. Create or Log in to Your Account
If you’re a first-time user, sign up using your Emirates ID and mobile number, then verify your account through the OTP sent to your phone. Existing users can simply log in.
3. Request Your Credit Report
Once logged in, choose whether you want just your credit score or a full credit report that includes detailed history.
4. Make the Payment
Fees usually start from AED 10 for a score-only report and go up depending on the level of detail you request. Payment can be made online using a debit or credit card.
5. Download and Review Your Report
Your score will be displayed instantly, and you can download a PDF version for your records.
How Much Does It Cost to Check Your Credit Score?
The AECB charges a small fee for providing your credit score or full report. The cost can range from about AED 10 for a basic score to over AED 100 for a detailed report. Prices may change depending on the service and any updates from the bureau.
How Often Should You Check Your Credit Score?
Experts recommend checking your credit score at least once or twice a year. If you plan to apply for a loan, credit card, or even rent a new home, checking it beforehand can help you avoid unpleasant surprises.
Understanding Your Credit Score Range in the UAE
Your score falls into one of four general categories:
- Poor (300–619): High risk; lenders are less likely to approve applications.
- Fair (620–679): Average; you might still get approved but with higher interest rates.
- Good (680–729): Low risk; better chances of approval and fair interest rates.
- Excellent (730–900): Very low risk; best loan terms and financial offers available.
Tips to Improve Your Credit Score
Once you know how to check your credit score in the UAE, the next step is making sure it stays healthy. Here are some effective ways to boost your score:
- Pay Bills on Time – Delayed payments are one of the biggest reasons scores drop. Use reminders or auto-pay options to stay on track.
- Keep Credit Usage Low – Avoid maxing out your credit cards. Aim to use less than one-third of your limit.
- Limit New Credit Applications – Applying for too many loans or cards in a short time can lower your score.
- Check for Errors – Mistakes on your report can affect your score. Contact AECB if you find incorrect details.
- Maintain Long Credit History – Older accounts help show consistent credit management.
Common Myths About Credit Scores in the UAE
Many people believe things about credit scores that aren’t true. Let’s clear up a few:
- Checking your own score does not lower it.
- You can improve a bad score with consistent effort over time.
- Closing old accounts may actually lower your score because it shortens your credit history.
Why You Should Check Your Credit Score Before Major Financial Moves
Your credit score can influence big financial decisions like buying property, getting a car loan, or even starting a business. Checking it before applying helps you understand your position, identify areas for improvement, and increase your chances of approval.
Final Thoughts
Knowing how to check your credit score in the UAE is a small step with a big impact on your financial future. This number is more than just a figure—it’s a reflection of your financial habits and responsibility.
By checking your score regularly, understanding what affects it, and making smart money choices, you can keep it high and enjoy better financial opportunities. Good credit takes time to build, but once you have it, it’s one of your most valuable assets.
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