Check FREE Credit Score

A credit score is a number ranging from 300 to 900 that helps banks and other lenders assess how reliable you are when you apply for credit. It reflects how well you manage borrowed money and repay your financial obligations.

What is a Credit Score?

A credit score is a numerical rating, ranging from 300 to 900, that lenders use to assess how reliable you are when applying for a loan or credit facility. Banks and financial institutions don’t rely on the score alone—they also review your repayment history, existing debts, and how many new credit accounts you’ve opened recently.

A higher score, closer to 900, indicates responsible credit management and improves your chances of getting approved for loans in Dubai. In the UAE, having a strong credit score is especially important when seeking any form of financing.

Your credit score is calculated using data collected from multiple sources, including banks, government entities, and telecom providers. The two most important factors are your repayment behaviour and your credit utilisation—how much of your available credit you are currently using.

It’s important to note that your credit score is not fixed. It can increase or decrease over time depending on how well you manage your finances and meet your financial obligations.

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How Does Credit Score Work?

Your credit score is determined using more than 2,000 data points from several financial sources such as banks, financial institutions, courts, telecom, and other utility companies. Your credit score is also established based on your existing financial habits.

Here are the factors taken into account when calculating credit score in the Dubai –

Length of Credit History
Public Records
Types of Accounts
Debt Accumulation
Payment History
Recent Credit Activity
Available Credit

How to Check Credit Score Online For Free?

You can check your credit score in two ways – Via AECB (Al Etihad Credit Bureau)
To check your credit score in the dubai using the AECB mobile application –

Download the mobile application from the Apple App Store or Google Play Store.
Scan your Emirates ID on the application.
Register and create a new account.
Select the product as AECB credit report.
Make a nominal payment of AED 84 (plus VAT) to obtain the score.

What is the Use of Credit Score ?

The credit score within the Dubai, as we saw earlier, reflects an individual’s financial credibility directly. This underscores the paramount significance of your score for entities such as banks and other institutions that hinge their transactions on trust.

Various entities utilise the credit score in the following ways:

Financial institutions like banks utilise it to determine loan and credit card eligibility for individuals and businesses.
The credit score influences decisions regarding loan amounts and credit card limits.
Insurance companies may refer to it while assessing applications for insurance plans, particularly for the calculation of premiums.
Home rental agencies and similar organisations consider it during the rental process.
Unsecured loan applications are influenced by credit scores.
Telecom service providers may refer to credit scores when offering postpaid connections.

How to Check Credit Score Online For Free?

You can check your credit score in two ways –

Via AECB (Al Etihad Credit Bureau)

To check your credit score in the dubai using the AECB mobile application –

Download the mobile application from the Apple App Store or Google Play Store.
Scan your Emirates ID on the application.
Register and create a new account.
Select the product as AECB credit report.
Make a nominal payment of AED 84 (plus VAT) to obtain the score.

How to Improve Your Credit Score?

By reviewing your credit report, you can get insights into the factors impacting your score negatively. Once you have all the information, you can take steps to improve your credit score accordingly.

Here are the general steps to boost your credit score –

Make payments (whether for debt or utility bills) on time
Avoid incidents of check bounce
Exercise caution with new credit applications — you can enhance your score by reducing active credit cards and loans
Settle as many debts as possible and avoid maxing out your credit limit
Address inaccuracies in your credit report — incorrect data on your report can lower your score

What is the Use of Credit Score ?

Various entities utilise the credit score in the following ways:

Financial institutions like banks utilise it to determine loan and credit card eligibility for individuals and businesses.
The credit score influences decisions regarding loan amounts and credit card limits.
Insurance companies may refer to it while assessing applications for insurance plans, particularly for the calculation of premiums.
Home rental agencies and similar organisations consider it during the rental process.
Unsecured loan applications are influenced by credit scores.
Telecom service providers may refer to credit scores when offering postpaid connections.

What Does Credit Score Range Indicate?

Tabled below are the credit score ranges that you, as a borrower, must be aware of –

Credit Score Range	Stars Allotted	Category
746 to 900	5	Very High
711 to 745	4	High
651 to 710	3	Medium
541 to 650	2	Low
300 to 540	1	Very Low

A General Overview of What Constitutes Credit Score

Discussed below are the general constituents of a credit score in the Dubai –

Payment History – Undoubtedly, the most crucial factor impacting an individual’s credit score is their payment history on the credit card. This record objectively reflects timely and missed payments, as well as the recency of such occurrences.
A higher percentage of on-time payments leads to score improvement. Delays exceeding 30 days are reported by lenders, negatively affecting the credit score.
Credit History Duration – A positive score reflects a history of punctual payments. Credit bureau considers the average age of credit when assessing credit history.
Variety of Accounts – A diverse mix of accounts, including retail and credit cards, can enhance your AECB credit score.
Recent Credit Activity – Opening numerous accounts or applying for new ones within a short span raises scrutiny. It might indicate financial instability, reduce the age of your credit, or lead to multiple hard inquiries, all of which can potentially lower your AECB credit score.
Accumulated Debt – Another vital parameter here is the sum borrowed through credit card loans. This is based on the total owed amount and the ratio of owed funds to available credit in the card account.