Credit Bureau Report (UAE)

A credit bureau report is a comprehensive record of an individual's or company's credit history maintained by Al Etihad Credit Bureau (AECB), including credit accounts, payment history, and calculated credit score used by lenders for approval decisions.

Report ContentsInformation
Personal detailsName, Emirates ID, address history
Credit accountsAll loans, credit cards, mortgages
Payment history24 months of payment patterns
Outstanding balancesCurrent debt levels
Credit inquiriesRecent application history
Credit score300-900 scale
Score RangesImpact
300-619High risk, likely rejection
620-679Fair, possible approval with conditions
680-739Good, standard approval
740-799Very good, favorable terms
800-900Excellent, best rates available
Score Impact FactorsWeight
Payment history35%
Credit utilization30%
Credit history length15%
Credit mix10%
Recent inquiries10%

Related Terms

Al Etihad Credit Bureau (AECB)Pre-Approval (Mortgage)Credit Score Mortgage Requirements Pre-Approval LetterDebt Burden Ratio

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