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If you are in any financial difficulty, it is important to speak to your bank as soon as possible as non-payment or late payment of loans or credit cards can have a negative impact on your credit history with the Al Etihad Credit Bureau (AECB).

Please note, as per UAE Central Bank regulations, National Bank of Fujairah is obligated to report all accounts under debt to the AECB.

What is my AECB credit score?

Al Etihad Credit Bureau (AECB) is a UAE Federal Government organisation that provides credit reporting to help you understand your financial obligations and credit worthiness. The AECB collects credit and financial data from banks and other financial institutions to provide credit reports to individuals, financial services and companies in the UAE.

What is a credit score? 

Your AECB credit score is a number ranging from 300 to 900, that predicts how likely you are to make your loan and credit card payments on time, over the next 12 months.

A low score indicates a higher risk of not paying on time, whereas a higher score indicates a lower risk – meaning that you are more credit worthy.

What is a credit report?

Your AECB Credit Report is a collection of historical credit data from various banks and other financial institutions, telecom/utility companies, government bodies etc. that you have an account with in the UAE.

Your credit report will include:

  • A record of your current and previous credit facilities
  • Your payment history over a period of up to five years
  • Any overdue payments
  • Any records of payment defaults and bounced cheques

Why does a credit score matter?

Your credit score is used by banks and other financial institutions as one of several methods to assess your credit worthiness and this will help them make decisions on whether to grant you a loan or a credit card. If you have a high credit score, they can process credit card and loan applications faster and provide preferential benefits and rates.

What can lower my credit score?

You will get a lower credit score if you regularly miss or delay payments, your cheques bounce, you have several different loans and credit cards and/or if you frequently hit your credit card limit.

Can I improve my credit score?

Yes, your AECB credit score is dynamic and can change based on the most recent information in your credit report. You can always improve your score by paying bills and credit card and loan repayments on time. You will also score higher if you’re seen to be reducing your outstanding debt and the amount of credit you have.

How do I get my credit report and score?

You can get your credit report and credit score online by visiting or by downloading the AECB App, available on Google Play and the App Store.

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