Credit Score

Your AECB credit score: what moves it and how to improve it

Your score runs from 300 to 900 and affects every loan and card you apply for. Here's what pushes it up — and down.

6 min read18 Oct 2026Beginner
Gulf Policy Souq Editorial TeamUpdated 18 Oct 2026 · UAE personal finance
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Reading time6 minutes
Key takeaways3 to remember

01What the score is

Al Etihad Credit Bureau collects information from UAE banks and other lenders and turns it into a score from 300 to 900. Lenders use it with your report to decide on applications.

02What helps

Paying every bill on time, keeping card balances low compared with your limits, and having a steady history of well-managed credit all help over time.

Scores range from 300 to 900.KEY POINT

03What hurts

Late or missed payments, bounced cheques, maxed-out cards and lots of applications in a short time can all pull your score down.

04Check and correct

You can request your report and score from AECB. If something is wrong, raise a dispute with AECB and the lender.

Try it yourself

Credit utilization checker

How much of your credit limits are you using? Figures are examples — use your own numbers.

Key takeaways

What to remember

The three points that matter most from this guide.

01

Scores range from 300 to 900.

02

On-time payments matter most.

03

Check your report for errors at least once a year.

Credit ScoreA number that shows how reliably you repay debt. In the UAE, the AECB score ranges from 300 to 900 — higher is better.AECBAl Etihad Credit Bureau — the UAE federal credit bureau that produces credit reports and scores.Credit UtilizationHow much of your total credit limits you are using. Lower usage generally supports a better score.Bounced ChequeA cheque the bank refuses to pay, usually for lack of funds. It is recorded on your credit report.
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General information only, not financial advice. Rules and bank terms can change — always confirm with your provider.

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