How often can I get a free AECB report?

Once per calendar year through the AECB portal or app using Emirates ID.

What score do UAE banks want for a mortgage?

Most banks prefer 650 or higher. Scores above 700 usually receive better rates.

Does paying a bill late affect my score for long?

A late payment stays visible for five years but its impact decreases over time with on-time payments.

Credit Score in UAE: How AECB Works and How to Improve It

What is AECB and how does it work in 2026?

The Al Etihad Credit Bureau (AECB) collects financial behaviour data from banks, telecoms, and utility providers across the UAE. Every resident with a loan, credit card, or post-paid contract has a file. Scores range from 300 to 900. Lenders use this score when you apply for a mortgage, car loan, or new credit card.

What affects your AECB score?

Five main factors determine your score. Payment history counts most, followed by credit utilisation, length of credit history, number of enquiries, and types of credit. Late payments or missed utility bills stay on file for five years. High credit card balances above 50 percent of your limit can lower your score quickly.

How to check your score for free

Every UAE resident can request one free credit report each calendar year through the AECB portal or the AECB app. You need Emirates ID and a verified mobile number. The report arrives within minutes by email. Paid reports cost AED 75 and include your numeric score plus lender names.

Practical steps to raise your score in 2026

Pay every bill on time. Set up standing instructions from your salary account for loans and credit cards.
Keep credit utilisation below 30 percent. Pay down balances before the statement date rather than the due date.
Limit new credit applications. Each hard enquiry can drop the score by 10 to 30 points.
Close unused credit cards only after paying them off. Closing cards with long history can shorten your credit length.
Correct errors immediately. If the report shows a paid loan as outstanding, raise a dispute directly in the AECB app with supporting bank statements.

Common mistakes expats make

Many expats ignore utility and telecom bills because they move frequently. A single unpaid Etisalat or DEWA bill can block future credit. Others apply for multiple cards during salary transfer offers, triggering repeated enquiries. Review your report before signing any new finance contract.

Ask Tovi for more

Tovi knows current 2026 UAE rules, fees, and processes. Ask anything. Ask Tovi free →

Got more UAE questions?

Tovi knows current 2026 UAE rules, fees, and processes. Ask anything — visas, banking, housing, schools. Ask Tovi free →