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What is a Good Credit Score in UAE?

A good Credit Score in UAE is generally above 700. It translates into quick credit approvals with higher amount limits and lower interest rates for individuals. The score ranges from 300 to 900. The higher your credit score, the lower the lender’s risk. It determines whether you are eligible for a loan or not. 

Below is a breakdown of the credit score and its classification! 

Credit Score Range 
Risk Group
Very High Risk
High Risk
Medium Risk
Low Risk 
Very Low Risk

How to Check Credit Score in UAE?

To check your UAE credit score: 

Download AECB CreditReport
  • Sign up with credentials or log in with UAE Pass 
Login to view your good credit score
  • Fill in the required inputs and download Credit Report 

It lists your employment details and payment history for 2 years. 

What is a Credit Score Used For?

Financial institutions use credit scores in the UAE to make informed decisions and expedite credit card and loan applications. They even offer benefits to individuals with high scores.

How is the Credit Score in UAE Calculated? 

The credit score in the UAE is calculated based on factors like payment history, credit utilization, credit history length, credit mix, credit inquiries, and public records. These elements determine your creditworthiness.

How to Increase a Credit Score in the UAE? 

To increase your credit score in the UAE:

  • Pay bills on time.
  • Keep credit utilization low.
  • Avoid multiple credit applications.
  • Maintain a diverse credit mix.
  • Check your credit report regularly.
  • Clear outstanding debts.
  • Avoid defaulting on payments.
  • Build a long credit history.
  • Consider a secured credit card.
  • Consult a financial advisor.

In conclusion, maintaining a good credit score in the UAE (above 700) leads to quicker credit approvals with higher limits and lower interest rates. Financial institutions use credit scores to make better-informed decisions and offer benefits to those with high scores. 

Checking your credit score is quickly done through AECB’s website or app. To improve your credit score, follow the recommended steps, and be vigilant for any mistakes or identity theft on your credit report.


What Does 50% in Credit Report Indicate?

When using a credit card, you’ll see your previous monthly balances and the percentage of credit used. For instance, if you use Dh5,000 on a Dh10,000 limit card, you’ll see 50% listed. 

It’s essential to check your credit report, even if you’re temporarily working in the UAE or not planning to apply for significant loans, as international lenders may request UAE credit scores.

What Does the Red Box in UAE Credit Report Indicate?

In the UAE credit report, a red box indicates negative remarks signaling potential credit risks due to late payments or defaults. It can affect creditworthiness and loan approvals. Address and resolve issues promptly to improve your credit standing.

What To Do If There’s A Mistake in the Credit Report of the UAE?

If you find any mistake in your credit report, you can contact the Al Etihad Credit Bureau (AECB) and request them to correct it. You can also dispute with the AECB if you believe that the information on your credit report is incorrect. You can respond to the website form within ten working days or call 800 287 328.

What To Do If Someone Else is Using My Identity For Credits? 

If you suspect identity theft for credit, block your cards, inform the AECB and the bank, and consider involving the police.

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