Our pillars
Simply Engaging
We minimize the complexity that is synonymous with the financial ecosystem and strive to build clarity and confidence. We believe that by making things simpler, finance becomes accessible to everyone so decisions can be made more easily, unlocking more possibilities for everyone.
Boldly Transformational
We are courageous forward-thinkers, fueled by passion and propelled by innovation. We leverage valuable insights to create a myriad of inspiring opportunities
Approachable Companions
We are optimistic, approachable and open to ideas, people and partnerships. We value everyone and find ways to be accessible, inclusive and relatable. This means that we reach out to connect and welcome people, businesses and the government so that they can move towards their goals and ambitions.
Dynamic Enablers
We are fast on our feet and driven to make things happen. We leverage our people and centralized technology ecosystem to work in an agile way that enables people, businesses and the government to access insights.
Our Story
2010
Foundation Laid
The year 2010 marked a significant turning point in the UAE's financial landscape with the release of the federal law on credit information. This law paved the way for a more transparent and responsible credit market.
2012
Etihad Credit Bureau Emerges
Taking the vision forward, 2012 witnessed the establishment of the Etihad Credit Bureau. This dedicated entity was entrusted with an important role of collecting and maintaining credit information for individuals and businesses in the UAE.
2014
First Credit Report Generated
In 2014, a milestone was achieved with the generation of the first Credit Report This report provided individuals and businesses with a comprehensive overview of their credit history, enabling them to make informed decisions regarding loans, credit cards, and other financial products.
2017
First Credit Scores
The year 2017 saw another critical advancement with the introduction of the first credit score. This numerical representation of creditworthiness not only empowered individuals by providing them with a clearer understanding of their credit standing, but it also offered substantial benefits to lenders.
2018
Digital Revolution
Recognizing the importance of accessibility, 2018 marked the launch of digital channels for Etihad Credit Score. This innovation allowed individuals to conveniently access their credit reports and scores online through the mobile and web App, removing geographical barriers and fostering financial inclusivity.
2020
A Strengthened Framework
The commitment to a robust financial system continued in 2020 with the amendment of the federal law on credit information; Credit information law 8/2020.
2022
A New Dimension
Etihad Credit Bureau introduced a groundbreaking innovation: the Cheque Score. This tool provides a unique assessment of the likelihood of a cheque clearing, empowering individuals and businesses to make informed decisions regarding cheque acceptance.
2023
Global Reach
The year 2023 further reinforced Etihad Credit Score's commitment to transparency. The launch of the Foreign Credit Report enabled individuals to access their credit information from abroad.
Our information provider
We collaborate with over 112 information providers, including banks, finance companies, telecom, courts, utility providers and government entities, and other leading organizations, to furnish up-to-date credit information. Helping people, businesses and the government transform for the better.
- moneyBanks
- credit_cardFinance companies
- monetization_onCentral Bank of the UAE
- balanceCourts
- account_balanceGovernment Entities
- callTelecom companies
- spokeUtility Companies
