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We have extensive information on our website on Etihad Credit bureau, our products and frequently asked question. We have also made all our products available to be electronically purchased through Etihad Credit Bureau website and mobile apps and through Etihad Credit Bureau Contact Center.


If you believe you still cannot get to the information you are looking for, you may contact our Contact Center 800-BUREAU (800-287328) Sunday to Friday from 8:00am to 4:00pm.

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.

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.

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.

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.

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.

To obtain your Credit Report and Credit Score visit https://etihadbureau.ae/credit-score or download the Etihad Credit Bureau CreditReport app available in the App Store, Google Play or by raising a request through Etihad Credit Bureau Contact Center. You will need to have your Emirates ID and registered mobile phone with you to complete the purchase process.

Apple Store Google Play Store

Documents required to delegate third party:

  • Copies of the valid Emirates ID card and passport(s) of the person applying for his/her report.
  • Original valid power of attorney
  • Original Emirates ID of the third party authorized to get the report on behalf of the main applicant.