How to Check Credit Score in UAE? – Gulf Expats Guide

Credit Score consists of a 3-digit number that figures out and foretells your card and on-time loan payments; the number ranges from 300 to 900. This post will explain how to check credit score in UAE in detail. So keep scrolling down and find the best solution to your problem or answers to the most raised questions regarding Credit Score in UAE.

Assessing (Credit Report)  | Basic Understanding

A credit report is based on compiled data of a customer’s complete credit history. History includes loans, mortgages, paid phone bills, and other records of credit card transactions. Any person holding UAE citizenship will have any payments or parameters that help assess his credit report. This credit Report further determines the Credit Score of a Person. The parameters or payments are directly associated with the customer’s Emirates ID number in the Credit Report.

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How To Calculate Credit Score? – Financial Creditability

So, by using the Report, a person’s Credit Score is checkable or can be calculated. Parameters involved in the credit score calculation consist of three parts.

1- History of Payments

The AL ETIHAD CREDIT BUREAU calculates phone bills, EMI payments, and other payments history in the UAE. AECB records all your transactions to check your sincerity and regularity in paying dues on time. Payment history is one of the most considerable elements of the credit report as it has the highest influence on it.

2- Credit Utilization Ratio (CUR)

The percentage of the credit limit that you use in a month is the CUR, such as if your credit card holds the limit of AED 50,000 and you used AED 25,000 every month, then its CUR becomes 50%. Lower CURs that are less than 30% are good, according to AECB. So, CURs higher than 30% will negatively affect credit scoring.

3- Credit Line Duration

The longer Credit line signifies that you use duration as long as you know very well about using it properly and you are responsible for paying your dues on time. 

Furthermore, other transaction types (small and big) directly influence your credit score.

How to Check Credit Score in UAE?

Check your Credit Score via login to the or by using the AECB application that you can download from the App store or Google play.

Procedure to Follow:

• Login to the AECB website (if you haven’t account on it, then sign-up to avail of AECB services)

• Insert your info; including your EMI ID number and passport details

• Go for payment for the service you want to use to check your Credit Score

Fee Schedule

  • AED 31.50 for checking Credit Score
  • AED 84 for checking Credit Report
  • AED 105 for checking Credit Report and Score

How To Check the Commercial Credit Score?

You may check the commercial Credit Score by using the AECB portals. For this, you have to provide EMI ID with authorized signature, letter request, payment receipt, and the Company’s original trade license. Keeping a regular track record of your Credit Score will help you assess Credit Reports and improve this Report. 

Different Ways To Retain Strong Credit Score

If you find your Credit Score isn’t improving, you can strengthen it by applying the following tips.

  1. Carefully complete the credit applications
  2. Sensibly usage of credit cards
  3. Picking loans and offers wisely
  4. Paying dues and bills on times
  5. Immediate reporting in case of stolen or lost credit card
  6. Keeping an eye on Credit Report and Credit Score Periodically
  7. Establish your consistent work history


It’s all about what is Credit Score and how to check it? We tried to cover each aspect involved in Credit Scoring, including how to improve its score. In the end, we hope this post will prove useful to you.

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