AECB Credit Score Risk Overview
This tool explains what a score means at a high level. It intentionally does not convert a score into a guaranteed loan-approval outcome because lenders use their own underwriting and affordability criteria.
Review your overall credit profile
A score in this part of the 300–900 scale indicates that the lender should not rely on the score alone when assessing your application. Approval depends on the lender’s own credit policy, affordability assessment and other information.
What the AECB Credit Score actually means
Etihad Credit Bureau describes the Credit Score as a three-digit number ranging from 300 to 900. The score is designed to predict the likelihood that an individual or company will miss payment obligations. A higher score represents a lower level of predicted credit risk, while a lower score represents a higher level of risk.
It is important not to turn that statistical risk score into a universal bank approval table. The Credit Bureau itself explains that the score is generated using an algorithm based on multiple data points, while the lender separately decides whether and on what terms to provide credit.
What is included in an AECB Credit Report?
Credit Score
A three-digit score representing predicted credit-payment risk.
Payment history
The current individual report provides payment history for the last 36 months for each active or closed credit facility or service.
Credit contracts
Information about loans, credit cards and other credit facilities.
Income Utilisation Ratio
A dynamic measure based on last reported income and monthly scheduled payments.
Court obligations
Financial obligations ordered by a court that appear in the credit information system.
Last reported salary
The report includes the latest salary information reported to the bureau.
How to improve your AECB credit profile
Etihad Credit Bureau does not describe credit improvement as a shortcut or a fixed-point formula. Its current guidance instead identifies several behaviours that can improve credit behaviour and positively affect the score.
AECB score, lender approval and affordability are different things
A good credit score can help show a stronger repayment history, but it is not an approval certificate. The Central Bank of the UAE requires licensed financial institutions to assess a consumer’s ability to meet credit obligations and to consider the consumer’s overall indebtedness and affordability.
| Factor | What it means |
|---|---|
| AECB Credit Score | A statistical credit-risk indicator generated from the borrower’s profile. |
| Payment history | Shows whether credit and bill obligations have been paid as expected. |
| Existing debt | Lenders consider outstanding secured and unsecured obligations when assessing affordability. |
| Income and affordability | The lender evaluates stable income, expenses, existing commitments and applicable Debt Burden Ratio requirements. |
| Lender policy | Banks and other licensed institutions make the final credit decision under their own approved credit-risk policies. |
UAE debt problems: what should you do first?
Missed or late payment
Start by reviewing the relevant account in your AECB Credit Report. Confirm the amount overdue, payment history and reporting information. Contact the lender promptly to discuss the account and any available repayment or restructuring arrangement.
Default after 90 days does not automatically mean a travel ban
Under the UAE Civil Procedure Law, a creditor may apply to the competent judge for a travel-ban order when the legal conditions are satisfied. Article 324 generally refers to a debt of at least AED 10,000, unless it falls within specified exceptions, and requires serious reasons creating fear that the debtor may flee. The judge can consider the supporting documents and statutory requirements before issuing an order.
Therefore, statements such as "90 days late = automatic travel ban" are inaccurate. A borrower should determine whether an actual judicial order, execution file or other legal process exists rather than relying on the number of days in default alone.
Can creditors take other enforcement measures?
Debt enforcement depends on the type of debt, the creditor, the existence of a judgment or executable instrument and the applicable court procedure. Depending on the circumstances, enforcement can involve attachment or execution against assets and other measures permitted by law.
This page should not promise that a bank will "freeze your account" or "execute a security cheque" simply because a payment has been missed. Such steps depend on the applicable legal and contractual process. Obtain case-specific legal advice where a court or enforcement proceeding is involved.
Correcting inaccurate information on your AECB report
Etihad Credit Bureau currently provides a Data Correction service for inaccurate or outdated credit information. The bureau explains that it does not simply edit information itself; it contacts the relevant information provider so that the provider can review and update its records.
Review the report
Identify the specific account, transaction, payment history entry or other information that appears inaccurate.
Submit correction details
Use the Data Correction service and provide Emirates ID and supporting documents relevant to the disputed information.
Provider reviews the data
The relevant bank, finance company, telecom provider, utility or other information provider reviews the correction request.
Follow up if necessary
Etihad Credit Bureau states that information providers are expected to respond within seven working days and that the credit history should generally update within 10 working days.
How to check your current Credit Report
Etihad Credit Bureau's current individual service states that a Credit Report costs AED 84 and includes the Credit Score and three years of credit history. The bureau also provides mobile-app access to its services.
Frequently Asked Questions
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Official Etihad Credit Bureau resources
Key distinctions
Related UAE financial guides
This page separates AECB credit scoring, lender underwriting, CBUAE default classification and court-ordered travel bans because they are different processes. For an active debt dispute, execution case, travel-ban matter or proposed settlement, use the relevant lender, court or qualified UAE legal professional for case-specific advice.