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Your credit score matters more than ever in the UAE; it's the key to unlocking loans, credit cards, rentals, and more. It signals your financial responsibility to banks, landlords, telecoms, and even employers. Fortunately, checking it has never been easier or more affordable. Here’s how to access your score, and why you should.
1. Access via AECB
The Al Etihad Credit Bureau (AECB) is the official authority responsible for issuing credit reports and scores in the UAE. These scores range from 300 to 900, with a score above 700 considered good, and anything below 400 likely to get applications declined.
To check your credit score, simply:

• 
  Visit aecb.gov.ae or download the AECB app for iOS or Android.
• 
  Log in using UAE Pass or your Emirates ID, along with a valid email or phone number; identity may be verified via OTP.
• 
  Select the “Credit Score Report” option and pay the nominal fee, approximately AED 10.50 for the score alone (VAT included), or AED 84 for the full credit report.
• 
  Your score will appear instantly in PDF format.

2. Mobile App and Multi-Platform Access
For added convenience, you can view your credit score directly within banking apps, Emirates NBD, Mashreq, ADCB and RAKBANK support this feature, depending on your bank.
You can also use:

TAMM (Abu Dhabi’s government service platform) via UAE Pass.

DubaiNow (now integrated with AECB) allows one-tap access to your credit score and report within the app.

3. Understanding and Managing Your Credit Score

Your credit score is calculated from a variety of factors submitted to AECB by banks, telecom providers, and other financial entities. These include payment history, credit utilization, bounced cheques, loan counts, and more.
To maintain or improve your score:

• 
  Always pay bills on time; missed payments hold the greatest weight (around 35%).
• 
  Keep credit utilization under 30%; high balances hurt your score.
• 
  Limit new credit applications, frequent hard inquiries can lower your score.
• 
  Regularly review your credit report for mistakes and dispute any inaccuracies.
• 
  Rebuilding a score takes time, expect modest improvements in 6 to 12 months; strong financial discipline may yield an excellent score in under 2 years.

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