A quick guide to Etihad Credit Bureau

• Overview
• Services 
• Fees
• FAQs

Managing your financial well-being starts with understanding your credit health. Owned entirely by the UAE Federal Government, Etihad Credit Bureau offers a trusted platform for UAE residents to better understand and manage their financial status. As the official UAE credit reporting agency, it collects and maintains information about your credit activities, creating a clear picture of your financial health. Read on to learn about the various services and how you can benefit from them.

All About Etihad Credit Bureau

Established in 2012, the Etihad Credit Bureau is a government-owned entity that gathers and maintains credit information for individuals and companies across the UAE. With offices in Dubai and Abu Dhabi, it acts as the official UAE credit reporting agency, providing reliable financial insights.

The Bureau helps you monitor and improve your credit well-being by simplifying financial data into easy-to-understand reports. Whether you are a resident or business owner, the bureau ensures you have access to key credit information whenever you need it.

• Location: Rolex Tower (Dubai) | Yaw Frayhah Street (Abu Dhabi)
• Contact: +971-800-287-328

Please note that the Dubai branch is temporarily closed.

ETIHAD CREDIT BUREAU SERVICES

The Etihad Credit Bureau services are designed to help individuals and businesses gain better control over their financial journeys. Using smart data technology, the bureau ensures that everyone has access to clear, actionable insights into their credit performance.

Services for Individuals 

Credit Report

Get a complete view of your credit history through a detailed report. It covers loans, mortgages, credit cards and bill payments. Checking your report helps you understand your financial standing and better plan your future.

Credit Score

A credit score summarises your ability to meet financial obligations. It provides a quick snapshot of your creditworthiness. You can check your UAE credit score for AED 10.50 through the Bureau’s website or mobile app.

Cheque Score

Avoid uncertainty when receiving cheques. The Cheque Score predicts the likelihood of a cheque clearing based on past payment behaviours. 

Foreign Credit Report

If you have lived in the UAE for less than three years, you can still present your overseas credit history. The Foreign Credit Report helps convert your home country’s credit profile into a format recognised by UAE lenders.

Income Utilisation Ratio

Part of your UAE credit report online, this figure shows the percentage of your income used for loan repayments and bills. A lower ratio means healthier financial prospects.

Services for Businesses

Credit Report

Businesses can also benefit from a detailed credit report. It shows the company’s financial dealings over the past three years, enabling better loan, investment and partnership decisions. 

Credit Score

Like individuals, companies receive a credit score that influences borrowing and investment opportunities. A higher score boosts the company’s reputation with lenders.

Cheque Score

The Cheque Clearance Indicator helps businesses manage their cash flow risks. For AED 10.50, companies can check the likelihood of cheques clearing based on the issuer’s payment history. 

FEE STRUCTURE

The Etihad Credit Bureau services are available at affordable prices to support informed financial decision-making.

Please note that the charges for all Etihad Credit Bureau services are inclusive of VAT.

FAQS

What factors affect my credit score in Dubai?

Several elements influence your credit score, including:

• Payment track record: Consistently paying on time improves your score.
• Credit management: Smart use of credit limits helps.
• Number of credit contracts: Managing fewer loans responsibly reflects well.

Can I get my credit score and report online?

Yes, you can easily check your UAE credit score and get a credit report online through:

• The Etihad Credit Bureau app or the official website
• TAMM app

Each platform offers a seamless way to instantly view your credit details.

How can I improve my credit score in Dubai?

Pay bills on time, maintain low credit utilisation, avoid excessive new credit applications and regularly perform a UAE credit history check.

How can I correct my information?

For errors or corrections in your credit report, you can request Etihad Credit Bureau data correction through their customer service centres, official website or app.

That’s a wrap to our guide on Etihad Credit Bureau UAE. Whether applying for a home loan in Dubai or expanding a business, knowing your standing through a UAE credit history check is a smart first step.

Also, maintaining a strong credit score is key to securing mortgage loan approval in the UAE.

New to Emirate? Our guide to the best credit cards for expats in Dubai is just what you need to start managing your finances with ease.

Featured Image Credits: Etihad Credit Bureau Official Website