How to Check Your AECB Credit Score in UAE?

AECB Score Check: How to Get Your UAE Credit Report

If you're about to apply for a mortgage, car loan, or even a new credit card, an AECB score check is the first thing you should do. Lenders in the UAE pull this report before they say yes or no, and it's smarter to see what they see before you apply.

Quick answer

You can run an AECB score check through the Al Etihad Credit Bureau (AECB) mobile app, the AECB website, or in person at a customer happiness centre. A credit score alone costs AED 10.50, a credit report is AED 84, and the combined report with score is AED 105 (VAT included) as of 2024 ^[1]. You'll need your Emirates ID and a UAE mobile number linked to it. Results are instant through the app. Scores range from 300 to 900 — higher is better, and anything above 700 usually gets you decent loan terms.

How to run an AECB score check

The fastest route is the AECB app (available on iOS and Android). Download it, register with your Emirates ID number, verify via UAE Pass or SMS OTP, and pay through card. The report lands in your app within minutes.

Prefer the browser? Go to aecb.gov.ae, click "Get Credit Report," and follow the same Emirates ID verification flow. Same prices, same speed.

Walk-in works too. AECB customer happiness centres in Abu Dhabi (Al Maryah Island) and Dubai (Business Village, Deira) issue printed reports on the spot. Bring your original Emirates ID and a payment card. Honestly, unless you need a stamped physical copy for a specific lender, the app is faster.

One thing worth knowing: your first-ever credit score check is free once you register on the app. AECB rolled this out to encourage people to actually look at their reports ^[2].

What the score means and what to check

The AECB score sits between 300 and 900. Rough bands lenders use:

• 700-900: strong, most banks approve
• 620-699: moderate, expect scrutiny or higher rates
• 540-619: weak, many products off the table
• Below 540: high risk, likely rejections

Beyond the number, read the report itself. Check every active loan and credit card listed. Look for accounts you don't recognise — identity fraud happens. Confirm your outstanding balances match what your bank shows. Verify that closed loans are marked closed, not still open. Late payments stay on your report for 24 months from the payment date under Federal Law No. 6 of 2010 on Credit Information and its 2016 amendments ^[3].

If something's wrong, you can file a dispute through the AECB app under "Raise a Dispute." AECB has 30 days to investigate and respond ^[3]. Most people never check — don't be most people.

When you should run a check

Do a check before any major credit application. Mortgage pre-approval, auto finance, personal loan, business loan, even a postpaid mobile line above a certain limit — all pull your AECB record.

Also worth checking:

• Every 6-12 months as a routine, especially if you've had loans closed recently (closures can take weeks to reflect)
• Before leaving the UAE, since unpaid debts can trigger travel bans and reporting stays live
• After clearing a bounced cheque or settling a loan, to confirm the update landed
• If a bank rejected you and didn't explain why

For anything credit-related while you're setting up in the country, our banking category guides cover the mechanics of accounts, salary transfers, and lender requirements.

What if your score is low

You can't erase accurate negative data — only time does that. But you can improve the trajectory. Pay every EMI on time (auto-debit helps), keep credit card utilisation below 30% of your limit, avoid applying for multiple products at once (each application shows as an inquiry), and don't close old credit cards in good standing because credit history length matters.

If there's a genuine error dragging your score down, dispute it. If the debt is real but settled, ask the lender to submit a "Loan Closed" update to AECB directly — banks sometimes forget, and the correction shifts your score within a reporting cycle.

Need this checked for your situation? Talk to a UAE-licensed lawyer →

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Sources

^[1] Al Etihad Credit Bureau, Products and Fees, aecb.gov.ae (accessed 2024).

^[2] Al Etihad Credit Bureau, "Know Your Score" initiative announcement, aecb.gov.ae.

^[3] Federal Law No. 6 of 2010 on Credit Information, as amended by Federal Law No. 7 of 2016, Articles on data retention and dispute resolution.