Credit Report is a document that includes personal details, all credit facilities, bounced cheque information and payment history up to 3 years.
It also includes court-ordered financial obligations and balances and payments of monthly telecommunications, water and electricity bills are going to appear in credit reports.
The information in your Credit Report is provided by banks, finance companies, telecom/utility companies and courts.
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The Credit Report is used by banks, finance companies, telecommunication companies and other institutions to analyse their customers, clients and business partners’ financial standing and detailed credit and payment history up to 3 years.
Thanks to the Credit Report these companies are able to obtain the information they need to evaluate credit or service applications, assess any related risk and ultimately decide whether to approve or reject them.
Expense-to-Salary Ratio is an indicator designed to provide customers with visibility on expenses in relation to salary.The expenses include your financial obligations, such as loan payments, credit card payments, and additional telecommunications and utilities bills.
Learn moreUse the below search functionality to learn more about whats affecting your credit score by entering your Credit Report Response ID.
Making payments on or before the due date
Avoiding bouncing cheques
Reducing the number of credit cards and loans
Reducing outstanding balances and credit card limits utilization
The information in the Credit Report is provided by banks, finance companies, telecom companies and other data providers. In case of any inaccuracy in the Credit Report, Al Etihad Credit Bureau can assist you to raise it with the respective Information provider. To raise a data correction request, please fill the form available on our website.
Please note that you can now request data correction for Bounced Cheques provided by the Central Bank of UAE.
File a Data Correction request
Receive and understand the Credit Report and access relevant financial information.
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