AECB Credit Score

What People Want to Know! What is a credit score in UAE? It is a 3-digit number issued by Al Etihad Credit Bureau (AECB). It indicates how reliable you are when it comes to repaying your debts.  What is a good credit score UAE? Usually, a good credit score in UAE is above 700. A good score improves your chances of credit card and loan approvals.  Does checking your credit score impact your credit history? No, checking your credit score does not impact your credit history. This is because a credit score check is usually considered a soft inquiry. Only hard inquiries impact your score.

What is an AECB Credit Score?

As mentioned before, your Al Etihad Credit Bureau (AECB) credit score is a 3-digit number that shows your creditworthiness. It’s often considered to show how you managed debt in the last 12 months and so on. This score ranges between 300 and 900 — the higher the score, the lower the risk of missing out on debt repayments. 

In the UAE, Etihad Credit Bureau (AECB) computes your credit score. It uses tools that factor in several data points from your credit profile to calculate your score. To name a few factors, the Bureau takes into account your payment history, credit utilisation, number of loans and credit cards, and bounced cheques. 

Why Does Your Credit Score UAE Matter?

Your AECB credit score indicates your creditworthiness, showcasing your ability to repay your loans and financial obligations. A good score opens a range of opportunities in terms of financial products, ranging from loans to credit cards. 

Here are some benefits of knowing your score —

1. You gain more confidence in terms of options. A higher credit score implies you can apply for a range of credit cards and loans as per your requirements. 
2. Quicker approvals. You get faster pre-approvals on eligible financial products. 
3. Creates room for competitive interest rates. If your score is good, you can get financial products at lower interest rates. This makes your repayments easier. 

UAE Credit Score Ranges & What Do They Mean

So far, we have understood your UAE credit score ranges between 300 and 900. These ranges are further divided and graded into poor, fair, good, and excellent. The following are UAE score ranges and what they indicate —

The higher your score, the better the chances for loans and credit card approvals, and the better financial opportunities (and vice versa). 

Why Check Your Credit Score in UAE on Paisabazaar.ae?

With Paisabazaar.ae, you can easily check your score in a matter of a few minutes. Here’s how we make your financial life easier with our exclusive credit score check feature —

• Free and instant access to the score
• 0 technical complication
• Simple user interface that makes the process beginner-friendly
• You can check banking products on our website as per your score

Note — Paisabazaar.ae does not replace AECB as a score provider. It has collaborated with the Bureau to enhance your understanding of credit score and help you analyse what credit products you can get with your score. 

Furthermore, your data remains confidential and your score never gets impacted!

What Financial Products Can You Access Based on Your AECB Credit Score?

Knowing your AECB credit score opens the door to a range of banking products — based on your creditworthiness. Here’s a quick overview of what products you can get and what the chances of approval are. 

Disclaimer - Income, bank’s policies, and the debt-to-income ratio also affects your creditworthiness.

What Can You Do After Checking Your Credit Score?

Once you check your AECB credit score for free on Paisabazaar.ae, you can take financially informed actions without affecting your credit profile. Here’s what happens next once you check your score. 

• View credit products to suit your eligibility 
• Understand why your approvals are likely to succeed or fail
• Create a plan of action to improve your creditworthiness
• Avoid applying for banking products you are unlikely to be eligible for
• Be more realistic with future financial decisions

Who Should Check Credit Score in UAE?

Technically, anyone can do a free credit score check in UAE. After a credit score check, you can manage your debts more responsibly or decide on the financial products you can apply for. 

All in all, here’s who should check their scores —

1. First-time credit card or personal loan applicant - This helps you understand your credit positioning before applying. 
2. Applicants with previously rejected applications - A credit score check helps them identify the score-related reasons for rejection. 
3. People planning major purchases - It helps them understand the kind of loans — especially home, car, and long-term financing — they are eligible for. 
4. Salaried professionals who need to manage multiple credit products 

Can Expatriates Check Credit Score in UAE?

Yes, expatriates can check their UAE credit score for free on Paisabazaar.ae. If you’re an expat, checking your score helps you analyse your eligibility conditions for a range of banking solutions. Since it is a soft query, their credit history and score are not further impacted. 

Credit Score for New Migrants in UAE

New migrants in the UAE need to start afresh to generate an AECB credit score by building local and documented financial behaviour. However, to skip the trouble, they can also use a foreign report service (Nova Credit Report) to convert their credit history from other countries into a valid format in the UAE. 

This way, migrants can work on just improving their credit history rather than building a score from scratch. This will further overcome the problem of credit invisibility in the UAE by translating foreign credit data into a format that UAE banks can understand. 

What Happens If You Don’t Have a Credit Score?

Not having a credit score makes the banks and lending institutions cautious. This is because they cannot assess your creditworthiness or repayment behaviour. However, it does not mean that you cannot get new credit. 

If you’re new to the UAE and have not applied for any card or loan, it’s natural to not have any score. However, if you apply, banks may still approve your application. In this case, banks may look at your —

• Income
• Utility bill payment
• Employment stability and more

How Can First -Time Users Build Their AECB Credit Score Responsibly?

To build your UAE credit score as a first-time user, you need to be proactive and adopt a disciplined financial approach. Here are some practical tips to help you build your score —

• Go for a secured loan or credit card - Such financial products often require collateral equal to the amount or the credit limit. They are a secure way to show your repayment capacity.
• Start small - Instead of applying for multiple credit products at once, stick to one or two products initially. Multiple applications lead to a hard query, which can further blow your chances to build a credit score. 
• Make use of ‘Pay Later’ options if feasible - Using facilities like ‘Buy Now, Pay Later’ can help you build your credit history, given that they are reported to Etihad Credit Bureau. 

Besides the initial steps, you need to develop more ongoing habits, including paying your credit card bills in full, keeping your credit utilisation ratio below 30%, disputing the discrepancies, and more. 

Factors Affecting Your Credit Score in UAE

There are some critical factors that impact your credit score and need some serious consideration. They include —

• Your Payment History - Late or missed payments for loans, credit cards, and utility bills hurt your score and can remain on your report for a long time. 
• Credit Utilisation Ratio - A credit utilisation ratio higher than 30% implies that you often max out on your credit cards. This can negatively impact your score drastically. 
• Length of Credit History - A long, responsible credit management history implies stability, positively fuelling your score. 
• Type of Credit Mix You Have - Rather than sticking to one product, a credit mix of different products works in your favour to improve your score. 
• Recent Credit Inquiries - If you have applied for multiple credit products in a short duration, you invite multiple hard queries. This can temporarily reduce your credit score.  

How to Check Credit Score in UAE?

Do a free credit score check in UAE on Paisabazaar.ae! The process is quite simple — here’s how it goes: 

• Visit Paisabazaar.ae 
• Go to the ‘credit score’ tab on the homepage
• Fill in the lead form with your registered phone number, personal details, monthly income, nationality, and other details

This way, you can access your current credit score. You can use this score to understand the types of cards and loans you are eligible for. 

How to Improve Your AECB Credit Score?

Improving your UAE credit score is simple, but requires discipline. You need to become financially responsible about repaying outstanding debts and not apply for multiple credit products at once. To make things easier and less overwhelming for you, here are some practical ways to improve your score.

• Make payments on time. When you pay your bills, loan EMIs, and credit card balances on time every month, you establish yourself as a responsible spender. This can improve your credit score. 
• Reduce your credit utilisation ratio. Keep your credit utilisation below 30%. Also, don’t max out on your credit limit across all the cards.
• Reduce the debt. Pay off your outstanding debts and credit card balances to improve your debt-to-income ratio. 

Note: In the UAE, your debt-to-income ratio cannot be more than 50%. However, it’s advisable to keep it below 30% for a good score.

• Keep your old accounts active. It helps you maintain a positive credit history as older accounts are included in your longer history. 
• Avoid multiple credit applications in a short timespan. It is especially important not to apply for multiple credit products if your previous applications have been rejected. It leads to hard queries on your credit report, further lowering your credit score. 
• Make sure your cheques don’t bounce. Ensure you have sufficient funds in your bank account to prevent such negative records. 

How Long Does it Take to Improve Your Credit Score in UAE?

You can improve your credit score within 3 to 6 months if minor improvements are required. However, it can go up to 6 to 12 months for more major and long-term improvements. 

Let’s break down the timeframe and relevant measures you can take to make the improvements visible —

• For 1 to 2 months - Make minor changes like paying off revolving debts like a credit card balance, or correcting errors in your report. 
• For 3 to 6 months - Be consistent with your bill payments and reduce your credit utilisation ratio (keep it below 30%). This will show a moderate increase in your credit score. 
• For 6 to 12 months - To make a major score recovery, consider restructuring your debts with methods like debt consolidation or clearing default payments. 

Last Updated At - 20 February 2026

Guide for Credit Score in UAE
What Affects Your Credit Score in UAE ?	Credit Score You Need to Buy a House in 2026
How to Improve Credit Score in UAE	500 Credit Score: Good or Bad?
Minimum Credit Score required to get a car loan in UAE	AECB Increases its Scoring Capacity
What is a Good Credit Score in UAE?	Minimum Credit Score required to get a Credit card in UAE
How Long Does It Take to Improve Your Credit Score in UAE	What is a Bad Credit Score in the UAE?
Reasons for Low Credit Score in UAE	Benefits of a good credit score

FAQs on AECB Credit Score