Credit Report & Score
Cheque Score
Your monthly payments history contributes to your financial footprint. Knowing this information can help you control your finances. This information is also included in your Credit Report as well as your credit profile that banks, finance companies, telecom operators, government entities and other service providers use to assess your eligibility for better pricing and services. Therefore, maintaining a good credit history and credit score can open the door to more financial opportunities, with easier access to future credit facilities and beneficial rates.
Please follow the instructions mentioned in the email that contains your Credit Report in order to be able to open the file. If you are having difficulties, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant. information ready in order to register a service request.
You can identify the Information Provider through the Provider Code section, that appears next to each information in the Credit Report. The Information Providers contact details can be found in the last section of the Credit Report which includes a list of symbols to identify the provider of the information.
While a Credit Score is calculated using an algorithm and considers multiple credit profile aspects, certain behaviors can help improve your Credit Score such as:
These are the main factors that contribute to better credit behavior and positively impact your 3-digit credit score. The final credit score is calculated using a credit score algorithm. This same algorithm uses many important variables which are modeled using international best practice methodologies, as well as UAE market trends, patterns, and regulations.
Etihad Credit Bureau is a Public Joint Stock Company wholly owned by the Federal Government. As per UAE Federal Law No. (6) of 2010 on Credit Information and its amendment in Federal Decree Law No. (8) of 2020, the company is mandated to regularly collect, store, analyze and use credit information from financial and non-financial institutions in the UAE. Etihad Credit Bureau uses credit information to calculate Credit Scores and produce Credit Reports for individuals and companies in the UAE.
The Credit Report reflects your credit history over the past three years. It includes your personal information, total credit/service exposure, and monthly payment patterns, as well as any defaults, bounced cheques, or amounts overdue. The report includes information on your credit card limits and usage, personal loans and credit facilities balances and payment history with telecom operators and water and electricity providers. The report may also include other credit information sourced from additional sources such as courts, governments entities, B2B users, etc.
Etihad Credit Bureau prices its products in line with the products and price list that is approved by the UAE Cabinet.
The Credit Report covers a three-year payment history on each active/closed credit facility and service, as well as the history for any bounced cheques.
The easiest way to view your Credit Report and Credit Score is to download the Etihad Credit Bureau CreditReport App or visit our website. If, you want someone to receive your Credit Report or Credit Score on your behalf, provide a Power of Attorney authorizing other person to receive them.
Etihad Credit Bureau does not play any role in reviewing, assessing or approving your application for credit facilities or products and services. The information in your credit report is used by banks, finance companies, telecommunication operators, water and electricity providers, courts, government entities, etc to support them in making their own decision to disburse credit facilities or provide products or services.