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Al 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. Al Etihad Credit Bureau uses credit information to calculate Credit Scores and produce Credit Reports for individuals and companies in the UAE.

We have extensive information on our website on Al Etihad Credit bureau, our products and frequently asked question. We have also made all our products available to be electronically purchased through AECB website and mobile apps and through AECB Contact Center.
If you believe you still cannot get to the information you are after, you may contact our Contact Center 800-BUREAU (800-287328) Monday to Saturday from 8:00am to 4:00pm

For more details on locations, please visit the "Contac Us" section on our website  


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:

  • Making payments on or before the due date.
  • Avoiding bouncing cheques.
  • Reducing the number of credit cards and loans.
  • Reducing outstanding balances and credit card limits utilization.

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.

You will receive your Credit Report and/or Credit Score within 8 hours on your registered email.
If you were charged but did not receive your credit report or credit score, or if you are facing any payment difficulties, please call our Contact Center on 800-BUREAU (800-287328) and have the relevant information ready in order to register a service request.

Al Etihad Credit Bureau prices its products in line with the products and price list that is approved by the UAE Cabinet. 

For the currently applicable price list, please visit this link: