Telecom operators use information in your Credit Report and Credit Score to assess your creditworthiness ahead of making their decision to provide you with postpaid phone services or device purchases on installment basis.

Each credit facility in the Credit Report will show a color-coded 24-month history indicating whether the payment was made on time or delayed. If the payment for a particular month was paid more than 90 days after the due date, the box will be shaded red. If the payment for a particular month was paid with a delay up to 90 days after the due date, the box will be shaded yellow. If the payment for a particular month was paid on or before the due date, the box will be shaded green.

Your Credit Report is not only a compilation of your credit history but also a reflection of your behavior towards payment obligations. Defaults missed payments and bounced cheques will always appear in your Credit Report up to a period of 5 years.

Guarantor's information appears against each credit facility in the Credit Report as mandated by the Central Bank of the UAE regulations.

Joint credit facilities will appear on the individual Credit Report of both individuals.

The personal historical information like addresses and previous employment records remains in the Credit Report even after a submission of new record. The old records will appear under the historical heading of the personal information.

Usually the purchased Credit Report or Credit Score is sent to the registered email within 8 hours. However, sometimes an instance may occur where the system will automatically prevent the email from being sent for technical reasons. In this case please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

Your Credit Report will show your active and closed credit facilities and services. If you do not have any credit facilities or services, or new to the UAE, then you will receive a Credit Report that includes your personal information only.

Etihad Credit Bureau Credit Reports and Credit Scores are electronic and does not require stamps or signatures.

If you would like to share your Credit Report or Credit Score with an individual or an external entity in or outside the UAE, you can do that by:

• For individuals: indicate the email address of the recipient when buying the report through the Etihad Credit Bureau mobile app or website.
• For companies: indicate the email address of the recipient in the request form https://online.etihadbureau.ae/reportrequest

You can download the mobile app here: