{"id":42711,"date":"2026-09-30T09:24:18","date_gmt":"2026-09-30T05:24:18","guid":{"rendered":"https:\/\/truhauz.com\/aecb-credit-score-uae\/"},"modified":"2026-09-30T09:24:18","modified_gmt":"2026-09-30T05:24:18","slug":"aecb-credit-score-uae","status":"publish","type":"post","link":"https:\/\/truhauz.com\/ar\/aecb-credit-score-uae\/","title":{"rendered":"AECB Credit Score: What the Bands Mean and How It Decides Your Mortgage"},"content":{"rendered":"\n<!-- ============================================================\n  TRUHAUZ.COM \u2014 BUYER GUIDE \/ CREDIT & FINANCE\n  Title:    AECB Credit Score: What the Bands Mean and How It Decides Your Mortgage\n  Slug:     aecb-credit-score-uae\n  Keywords: aecb credit score, al etihad credit bureau, aecb credit report\n  ============================================================ -->\n\n<style>\n\n@import 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a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.qz-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.qz-footer-strip{background:#660033;color:rgba(255,255,255,.8)!important;text-align:center;padding:14px 20px;font-size:.75rem;line-height:1.6}\n.qz-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .qz-area-grid{grid-template-columns:1fr 1fr}\n  .qz-2col{grid-template-columns:1fr;gap:36px}\n  .qz-forecast{grid-template-columns:1fr 1fr}\n  .qz-contact-inner{grid-template-columns:1fr;gap:36px}\n  .qz-cta-in{flex-direction:column;text-align:center}\n  .qz-strip-in{grid-template-columns:repeat(2,1fr)}\n}\n@media(max-width:640px){\n  .qzc{padding:0 16px}\n  .qzs{padding:44px 0}\n  .qz-hero{min-height:auto}\n  .qz-hero-content{padding:48px 16px 56px}\n  .qz-hero h1{font-size:clamp(1.8rem,7.5vw,2.6rem)}\n  .qz-area-grid{grid-template-columns:1fr}\n  .qz-forecast{grid-template-columns:1fr}\n  .qz-strip-in{grid-template-columns:repeat(2,1fr)}\n  .qz-si{padding:15px 8px}\n  .qz-title{font-size:clamp(1.4rem,6vw,1.9rem)}\n  .qz-contact{padding:48px 0}\n}\n@media(max-width:480px){.qzc{padding:0 14px}}\n\n<\/style>\n\n<div class=\"qz\">\n\n<!-- \u2550\u2550\u2550 HERO \u2550\u2550\u2550 -->\n<section class=\"qz-hero\">\n  <div class=\"qz-hero-bg\"><\/div>\n  <div class=\"qz-hero-pat\"><\/div>\n  <div class=\"qz-hero-ov\"><\/div>\n  <div class=\"qz-hero-content\">\n    <span class=\"qz-eyebrow\">Credit &amp; Finance \u00b7 Buyer Guide \u00b7 Updated September 2026<\/span>\n    <h1>AECB Credit Score<br><span>What the Bands Mean, What It Costs to Check, and How It Decides Your Mortgage<\/span><\/h1>\n    <p class=\"qz-hero-sub\">Every mortgage application in the UAE begins with a file you did not write. Al Etihad Credit Bureau holds your payment history, your open facilities, your bounced cheques and your court judgments, and a lender reads it before it reads anything you have submitted. Here is what is on it, what the score bands mean, what it costs to see it, and how to fix it when it is wrong.<\/p>\n    <div class=\"qz-hero-meta\">\n      <div class=\"qz-hm\">\ud83c\udfdb\ufe0f <strong>Federal Law No. 6 of 2010<\/strong><\/div>\n      <div class=\"qz-hm\">\ud83d\udcca <strong>Score Range 300\u2013900<\/strong><\/div>\n      <div class=\"qz-hm\">\ud83d\uddd3\ufe0f <strong>Sources Dated 2025\u20132026<\/strong><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 DATA STRIP \u2550\u2550\u2550 -->\n<div class=\"qz-strip\">\n  <div class=\"qzc\">\n    <div class=\"qz-strip-in\">\n      <div class=\"qz-si\"><span class=\"qz-sv\">300\u2013900<\/span><span class=\"qz-sl\">AECB Credit Score Range<\/span><\/div>\n      <div class=\"qz-si\"><span class=\"qz-sv\">731+<\/span><span class=\"qz-sl\">Band Rated Excellent<\/span><\/div>\n      <div class=\"qz-si\"><span class=\"qz-sv\">AED 84<\/span><span class=\"qz-sl\">Full Credit Report, Incl. VAT<\/span><\/div>\n      <div class=\"qz-si\"><span class=\"qz-sv\">10 Days<\/span><span class=\"qz-sl\">Working Days to Answer a Dispute<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 OVERVIEW \u2550\u2550\u2550 -->\n<section class=\"qzs\">\n  <div class=\"qzc\">\n    <div class=\"qz-2col\">\n      <div class=\"qz-body\">\n        <span class=\"qzt\">The Basics<\/span>\n        <h2 class=\"qz-title\">What Al Etihad Credit Bureau Is, and Why It Decides Things<\/h2>\n        <p>Al Etihad Credit Bureau \u2014 almost always shortened to AECB \u2014 is the UAE\u2019s national credit bureau. Standard Chartered\u2019s UAE guidance describes it as a federal government organisation that collects credit data from banks, financial institutions and telecommunications companies. It was set up in 2010 under the Credit Information Law, Federal Law No. 6 of 2010, since amended by Federal Decree-Law No. 8 of 2020, and Kredium\u2019s guide records that it began sharing credit reports in 2014.<\/p>\n        <p>The important structural point is that AECB is not a lender and does not decide your application. It is a single, legally mandated repository. Banks, finance companies and telecom providers report into it; lenders read out of it. That centralisation is why there is no such thing in the UAE as starting fresh with a different bank \u2014 every licensed lender sees substantially the same file.<\/p>\n        <p>From that file AECB produces a <strong>credit score<\/strong> running from <strong>300 to 900<\/strong>. Standard Chartered explains the direction of travel plainly: the score predicts how likely you are to make your loan and credit card payments on time, with lower scores indicating higher risk and higher scores lower risk. It is a single number standing in for a long record, which is both its usefulness and its limitation \u2014 a lender assessing a large mortgage will read the underlying entries, not just the headline.<\/p>\n        <p>For anyone buying property in Dubai this is not a peripheral concern. The AECB report is one of the items every lender pulls at the pre-approval stage, as our guide to <a href=\"https:\/\/truhauz.com\/mortgage-pre-approval-dubai\/\">mortgage pre-approval in Dubai<\/a> sets out, and the existing facilities it reveals feed directly into the debt burden ratio that caps your borrowing. Understating a car loan on an application form achieves nothing, because the file shows it.<\/p>\n        <div class=\"qz-hbox\"><strong>TruHauz perspective:<\/strong> Buy your own report before a lender buys it. At AED 84 including VAT it is the cheapest piece of due diligence in the entire purchase, and it is the only way to find out in advance what an underwriter is about to read. The errors worth hunting for are specific: a facility you have settled that still shows as open, a loan that is not yours at all, and identity details that do not match your Emirates ID. Each of those is correctable, but a correction runs on working days, which means it has to happen before an application rather than during one. The same file governs the rest of the lending framework too \u2014 see <a href=\"https:\/\/truhauz.com\/how-to-get-a-mortgage-in-dubai\/\">how to get a mortgage in Dubai<\/a> for the loan-to-value and affordability ceilings it feeds into, and <a href=\"https:\/\/truhauz.com\/islamic-mortgage-dubai\/\">the Islamic mortgage in Dubai<\/a> for Shari\u2019ah-compliant facilities, which are underwritten against the same record.<\/div>\n      <\/div>\n      <div>\n        <div class=\"qz-ov\">\n          <div class=\"qz-ov-head\">\n            <h3>AECB at a Glance<\/h3>\n            <p>The essentials in one place<\/p>\n          <\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Full name<\/span><span class=\"qz-ov-r burg\">Al Etihad Credit Bureau<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Established<\/span><span class=\"qz-ov-r\">2010<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Under<\/span><span class=\"qz-ov-r\">Federal Law No. 6 of 2010<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Amended by<\/span><span class=\"qz-ov-r\">Decree-Law No. 8 of 2020<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Reports since<\/span><span class=\"qz-ov-r\">2014<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Ownership<\/span><span class=\"qz-ov-r\">UAE Federal Government<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Score range<\/span><span class=\"qz-ov-r\">300\u2013900<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Full report<\/span><span class=\"qz-ov-r\">AED 84 incl. VAT<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Report with score<\/span><span class=\"qz-ov-r\">AED 105 incl. VAT<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Score only<\/span><span class=\"qz-ov-r\">AED 10.50 incl. VAT<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Payment history held<\/span><span class=\"qz-ov-r\">24 months<\/span><\/div>\n          <div class=\"qz-ov-row\"><span class=\"qz-ov-l\">Dispute response<\/span><span class=\"qz-ov-r up\">10 working days<\/span><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 TABLE \u2550\u2550\u2550 -->\n<section class=\"qzs qzg\">\n  <div class=\"qzc qzct\">\n    <span class=\"qzt\">The Bands<\/span>\n    <h2 class=\"qz-title\">What Each AECB Score Band Signals to a Lender<\/h2>\n    <p class=\"qz-sub\">The score is a probability estimate compressed into a number. These are the published bands, and what sitting in each one tends to mean when you apply for finance on a property.<\/p>\n  <\/div>\n  <div class=\"qzc\">\n    <div class=\"qz-table-wrap\">\n      <table class=\"qz-table\">\n        <thead>\n          <tr>\n            <th>Band<\/th>\n            <th>Score Range<\/th>\n            <th>What It Signals<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr>\n            <td>Poor<\/td>\n            <td>300\u2013619<\/td>\n            <td>The highest assessed risk of missed payments. Expect a mortgage application to be questioned or declined, and expect to be asked to explain specific entries rather than the score. <span class=\"qz-badge high\">Repair first<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Fair<\/td>\n            <td>620\u2013679<\/td>\n            <td>Borderline. An application is possible but the underlying report will be read closely, and the outcome tends to turn on what the adverse entries actually are. <span class=\"qz-badge mid\">Read the detail<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Good<\/td>\n            <td>680\u2013730<\/td>\n            <td>A normal lending conversation. The score stops being the obstacle and the debt burden ratio and loan-to-value ceilings take over as the binding constraints. <span class=\"qz-badge low\">Workable<\/span><\/td>\n          <\/tr>\n          <tr>\n            <td>Excellent<\/td>\n            <td>731\u2013900<\/td>\n            <td>The lowest assessed risk. The score is no longer a live issue in the file, and attention moves entirely to income, existing commitments and the bank\u2019s valuation of the property. <span class=\"qz-badge top\">Strongest position<\/span><\/td>\n          <\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p style=\"font-size:.78rem;color:#999;margin-top:10px;text-align:center\">Score ranges as published by StashAway MENA, \u201cThe complete guide to the AECB credit score\u201d, 21 July 2026, and by Kredium, \u201cEtihad Credit Bureau: Everything You Need to Know\u201d, last updated 24 July 2025 \u2014 both sources give identical bands. The \u201cwhat it signals\u201d column is TruHauz\u2019s own characterisation of how lenders tend to treat each band, not a published lender policy. No source we retrieved states a minimum AECB score required for a UAE mortgage, and we have therefore not quoted one.<\/p>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CARDS \u2550\u2550\u2550 -->\n<section class=\"qzs\">\n  <div class=\"qzc qzct\">\n    <span class=\"qzt\">The Inputs<\/span>\n    <h2 class=\"qz-title\">The Six Factors That Feed Your AECB Score<\/h2>\n    <p class=\"qz-sub\">StashAway MENA\u2019s July 2026 guide lists these six inputs, with payment history the most significant. Knowing which lever matters most is what makes credit repair efficient rather than superstitious.<\/p>\n  <\/div>\n  <div class=\"qzc\">\n    <div class=\"qz-area-grid\">\n\n      <div class=\"qz-area-card\">\n        <div class=\"qz-area-head\">\n          <div class=\"qz-area-name\">Payment History<\/div>\n          <div class=\"qz-area-type\">Factor 01 \u00b7 Weighting<\/div>\n        <\/div>\n        <div class=\"qz-area-body\">\n          <span class=\"qz-area-price\">Largest<\/span>\n          <span class=\"qz-area-unit\">the most significant input<\/span>\n          <div class=\"qz-area-row\"><span>Window held<\/span><span>24 months<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Covers<\/span><span>Loans and cards<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Also covers<\/span><span>Telecom accounts<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Best lever<\/span><span>Pay on time, always<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"qz-area-card\">\n        <div class=\"qz-area-head\">\n          <div class=\"qz-area-name\">Credit Utilisation<\/div>\n          <div class=\"qz-area-type\">Factor 02 \u00b7 Balances<\/div>\n        <\/div>\n        <div class=\"qz-area-body\">\n          <span class=\"qz-area-price\">Ratio<\/span>\n          <span class=\"qz-area-unit\">balances against limits<\/span>\n          <div class=\"qz-area-row\"><span>Measures<\/span><span>How much you use<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Applies to<\/span><span>Revolving credit<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Fastest lever<\/span><span>Reduce card balances<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Note<\/span><span>Also feeds the DBR<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"qz-area-card\">\n        <div class=\"qz-area-head\">\n          <div class=\"qz-area-name\">Length of Credit History<\/div>\n          <div class=\"qz-area-type\">Factor 03 \u00b7 Time<\/div>\n        <\/div>\n        <div class=\"qz-area-body\">\n          <span class=\"qz-area-price\">Time<\/span>\n          <span class=\"qz-area-unit\">cannot be shortcut<\/span>\n          <div class=\"qz-area-row\"><span>Measures<\/span><span>How long you have borrowed<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Hits hardest<\/span><span>Recent arrivals<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Implication<\/span><span>Start before you need it<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Caution<\/span><span>Closing old accounts<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"qz-area-card\">\n        <div class=\"qz-area-head\">\n          <div class=\"qz-area-name\">Types of Credit in Use<\/div>\n          <div class=\"qz-area-type\">Factor 04 \u00b7 Mix<\/div>\n        <\/div>\n        <div class=\"qz-area-body\">\n          <span class=\"qz-area-price\">Mix<\/span>\n          <span class=\"qz-area-unit\">breadth of the record<\/span>\n          <div class=\"qz-area-row\"><span>Measures<\/span><span>Variety of facilities<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Examples<\/span><span>Cards, auto, personal<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Effect<\/span><span>Secondary to history<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Do not<\/span><span>Borrow to build mix<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"qz-area-card\">\n        <div class=\"qz-area-head\">\n          <div class=\"qz-area-name\">New Credit Enquiries<\/div>\n          <div class=\"qz-area-type\">Factor 05 \u00b7 Applications<\/div>\n        <\/div>\n        <div class=\"qz-area-body\">\n          <span class=\"qz-area-price\">Enquiries<\/span>\n          <span class=\"qz-area-unit\">each application registers<\/span>\n          <div class=\"qz-area-row\"><span>Triggered by<\/span><span>A lender pulling your file<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Risk<\/span><span>Scattergun applications<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Better approach<\/span><span>Pull your own first<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Point impact<\/span><span>Not published<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"qz-area-card\">\n        <div class=\"qz-area-head\">\n          <div class=\"qz-area-name\">Adverse Status Indicators<\/div>\n          <div class=\"qz-area-type\">Factor 06 \u00b7 Flags<\/div>\n        <\/div>\n        <div class=\"qz-area-body\">\n          <span class=\"qz-area-price\">Flags<\/span>\n          <span class=\"qz-area-unit\">the entries that stop a file<\/span>\n          <div class=\"qz-area-row\"><span>Includes<\/span><span>Bounced cheques<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Includes<\/span><span>Court judgments<\/span><\/div>\n          <div class=\"qz-area-row\"><span>Recovery<\/span><span>Up to 24 months<\/span><\/div>\n          <div class=\"qz-area-row\"><span>If wrong<\/span><span>Dispute it, free<\/span><\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CTA STRIP \u2550\u2550\u2550 -->\n<div class=\"qz-cta-strip\">\n  <div class=\"qzc\">\n    <div class=\"qz-cta-in\">\n      <div>\n        <h3>Not sure whether your credit file will carry a mortgage?<\/h3>\n        <p>Tell TruHauz what your report shows and what you are trying to buy, and we will tell you honestly whether to apply now or repair first.<\/p>\n      <\/div>\n      <a href=\"https:\/\/truhauz.com\/contact\/\" class=\"qzbtn\">Ask TruHauz \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 ANALYSIS \u2550\u2550\u2550 -->\n<section class=\"qzs qzdk\">\n  <div class=\"qzc qzct\">\n    <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:16px;\">Where It Bites<\/span>\n    <h2 class=\"qz-title white\">Three Property Decisions Your AECB File Actually Controls<\/h2>\n    <p class=\"qz-sub white\" style=\"margin:0 auto 48px;\">The score is not an abstraction. In a Dubai property transaction it turns up at three specific points, and at each one it changes the terms available to you.<\/p>\n  <\/div>\n  <div class=\"qzc\">\n    <div class=\"qz-forecast\">\n      <div class=\"qz-fc\">\n        <span class=\"qz-fc-val\">01<\/span>\n        <h4>Whether You Get Pre-Approved<\/h4>\n        <p>Every lender pulls the AECB report at pre-approval. It confirms your payment record and reveals every open facility, which then feeds the debt burden ratio capping total monthly debt at 50% of income. The file therefore sets both whether you are approved and for how much.<\/p>\n      <\/div>\n      <div class=\"qz-fc\">\n        <span class=\"qz-fc-val\">02<\/span>\n        <h4>Whether You Can Finance Rent<\/h4>\n        <p>Credit assessment is not only for buyers. Providers of rental payment financing and instalment rent schemes underwrite tenants, and the AECB file is what they read. A thin or damaged record narrows the options for spreading rent across the year.<\/p>\n      <\/div>\n      <div class=\"qz-fc\">\n        <span class=\"qz-fc-val\">03<\/span>\n        <h4>What a Bounced Cheque Costs You Later<\/h4>\n        <p>Kredium\u2019s guide lists bounced cheques and court judgments over unpaid debts among the data AECB holds. A rent cheque that fails is therefore not a closed matter once it is settled \u2014 it sits on a file that a future mortgage lender will read.<\/p>\n      <\/div>\n    <\/div>\n    <div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:22px 24px;margin-top:32px;font-size:.93rem;color:rgba(255,255,255,.78)!important;line-height:1.75;\">\n      <strong style=\"color:#fff!important;\">The timescale is the thing most people get wrong.<\/strong> AECB holds 24 months of payment history, according to Kredium\u2019s guide of 24 July 2025, and StashAway MENA\u2019s guide of 21 July 2026 states that recovery from a delinquency can take up to 24 months under the scoring model current at the time of writing \u2014 expected to shorten to roughly six months under a forthcoming model the guide calls Credit Score 3.0. We have not put a date on that change, because the source describes it as expected rather than in force. What follows practically is that credit repair in the UAE is measured in months and years, not weeks. If a mortgage is the plan, the clean payment record the bank needs to see has to be built long before you start viewing property. Where rent is the immediate problem rather than a purchase, the financing routes are set out in our guides to <a href=\"https:\/\/truhauz.com\/rent-now-pay-later-dubai\/\" style=\"color:#fff!important;text-decoration:underline!important;\">rent now, pay later in Dubai<\/a> and <a href=\"https:\/\/truhauz.com\/flexi-rent-dubai\/\" style=\"color:#fff!important;text-decoration:underline!important;\">the DLD Flexi Rent instalment scheme<\/a> \u2014 both of which involve a credit assessment of the tenant.\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 FAQ \u2550\u2550\u2550 -->\n<section class=\"qzs qzg\">\n  <div class=\"qzc qzct\">\n    <span class=\"qzt\">FAQ<\/span>\n    <h2 class=\"qz-title\">Frequently Asked Questions<\/h2>\n    <p class=\"qz-sub\">The questions buyers and tenants ask most often about the AECB credit score.<\/p>\n  <\/div>\n  <div class=\"qzc\">\n    <div class=\"qz-faq-list\">\n      <div class=\"qz-faq-item\">\n        <div class=\"qz-faq-q\" onclick=\"qzFaq(this)\">What is a good AECB credit score in the UAE?<span class=\"qz-faq-icon\">+<\/span><\/div>\n        <div class=\"qz-faq-a\">Two sources we checked publish identical bands: 300 to 619 is rated poor, 620 to 679 fair, 680 to 730 good, and 731 to 900 excellent. Those bands appear in StashAway MENA\u2019s guide of 21 July 2026 and in Kredium\u2019s guide last updated 24 July 2025. The score runs from 300 to 900, and a higher number signals a lower risk of missed payments. What no source we retrieved would state is a minimum score that UAE mortgage lenders require, because banks set their own thresholds and read the underlying report rather than the headline number alone. Anything in the good or excellent bands puts you in a normal lending conversation; below that, expect questions.<\/div>\n      <\/div>\n      <div class=\"qz-faq-item\">\n        <div class=\"qz-faq-q\" onclick=\"qzFaq(this)\">How much does an AECB credit report cost?<span class=\"qz-faq-icon\">+<\/span><\/div>\n        <div class=\"qz-faq-a\">A full individual credit report costs AED 84 including VAT, a figure given by both StashAway MENA on 21 July 2026 and Kredium as at 24 July 2025. A report with the score attached is AED 105 including VAT, and the score on its own is AED 10.50 including VAT according to StashAway\u2019s July 2026 guide. We were unable to reach Al Etihad Credit Bureau\u2019s own website during research for this guide, so these figures come from two independent sources that agree rather than from the bureau directly. AECB sets its own pricing and can change it, so confirm the current fee on the AECB app or website before you pay.<\/div>\n      <\/div>\n      <div class=\"qz-faq-item\">\n        <div class=\"qz-faq-q\" onclick=\"qzFaq(this)\">How do I get my AECB credit report?<span class=\"qz-faq-icon\">+<\/span><\/div>\n        <div class=\"qz-faq-a\">Individuals can buy a report through the Al Etihad Credit Bureau website or its mobile app, which is published on both Google Play and the Apple App Store, or in person at an AECB customer happiness centre. Identity is verified by scanning your Emirates ID, and payment is taken online. Companies apply differently: Standard Chartered\u2019s UAE guidance states that a company representative attends an AECB customer happiness centre with the original Emirates ID, a valid trade licence and the Articles of Association. Pull your own report before any lender does, so that anything wrong on it can be corrected before an underwriter reads it.<\/div>\n      <\/div>\n      <div class=\"qz-faq-item\">\n        <div class=\"qz-faq-q\" onclick=\"qzFaq(this)\">What information does Al Etihad Credit Bureau hold about me?<span class=\"qz-faq-icon\">+<\/span><\/div>\n        <div class=\"qz-faq-a\">Kredium\u2019s guide, last updated 24 July 2025, lists identification details, current and past loans, credit card usage, payment history covering 24 months, bounced cheques, and court judgments relating to unpaid debts. The data does not come from you \u2014 it is supplied by information providers, which Kredium describes as banks and finance companies, telecommunications providers, and government or semi-government entities. Standard Chartered\u2019s UAE credit bureau page similarly describes AECB as a federal government organisation collecting credit data from banks, financial institutions and telecom companies. That is why an unpaid mobile bill can sit alongside a car loan on the same file.<\/div>\n      <\/div>\n      <div class=\"qz-faq-item\">\n        <div class=\"qz-faq-q\" onclick=\"qzFaq(this)\">How do I correct an error on my AECB credit report?<span class=\"qz-faq-icon\">+<\/span><\/div>\n        <div class=\"qz-faq-a\">StashAway MENA\u2019s July 2026 guide sets out the route: raise the item through AECB\u2019s data correction tool or by email to disputes@aecb.gov.ae. The data provider that supplied the disputed entry must then respond within 10 working days, and no fee applies to raising a dispute. The entries most worth checking are a facility you have settled that is still showing as open, a loan that is not yours, and an address or identity detail that does not match your Emirates ID. Because a correction takes working days rather than minutes, this is a task to complete before you approach a lender, not during an application.<\/div>\n      <\/div>\n      <div class=\"qz-faq-item\">\n        <div class=\"qz-faq-q\" onclick=\"qzFaq(this)\">How long does a missed payment affect my AECB score?<span class=\"qz-faq-icon\">+<\/span><\/div>\n        <div class=\"qz-faq-a\">StashAway MENA\u2019s guide of 21 July 2026 states that recovery from a delinquency can take up to 24 months under the scoring model in use at the time of writing, and that this is expected to shorten to roughly six months under a forthcoming model the guide refers to as Credit Score 3.0. We have not given a date for that change because the source describes it as expected rather than implemented. The practical implication is that credit repair in the UAE runs on a timescale of months to years, not weeks. If you intend to apply for a mortgage, the payment record you want the bank to see has to be built well before you start looking at property.<\/div>\n      <\/div>\n    <\/div>\n    <div class=\"qz-hbox\" style=\"margin-top:34px;\"><strong>Related reading:<\/strong> The stage at which a lender actually pulls this file is covered step by step in our guide to <a href=\"https:\/\/truhauz.com\/mortgage-pre-approval-dubai\/\" style=\"color:#660033;font-weight:600;\">mortgage pre-approval in Dubai<\/a>, and the full lending framework in <a href=\"https:\/\/truhauz.com\/how-to-get-a-mortgage-in-dubai\/\" style=\"color:#660033;font-weight:600;\">how to get a mortgage in Dubai<\/a>. Shari\u2019ah-compliant finance is underwritten against the same record \u2014 see <a href=\"https:\/\/truhauz.com\/islamic-mortgage-dubai\/\" style=\"color:#660033;font-weight:600;\">the Islamic mortgage in Dubai<\/a>. Borrowing against a property you already own runs the same credit assessment, as our guide to <a href=\"https:\/\/truhauz.com\/equity-release-dubai\/\" style=\"color:#660033;font-weight:600;\">equity release in Dubai<\/a> explains. On the tenancy side, what actually happens when a rent cheque fails is set out in <a href=\"https:\/\/truhauz.com\/bounced-cheque-dubai-rent\/\" style=\"color:#660033;font-weight:600;\">bounced rent cheques in Dubai<\/a>, and the instalment alternatives in <a href=\"https:\/\/truhauz.com\/rent-now-pay-later-dubai\/\" style=\"color:#660033;font-weight:600;\">rent now, pay later in Dubai<\/a> and <a href=\"https:\/\/truhauz.com\/flexi-rent-dubai\/\" style=\"color:#660033;font-weight:600;\">Flexi Rent in Dubai<\/a>. First-time buyers should also check the <a href=\"https:\/\/truhauz.com\/dubai-first-time-home-buyer-programme\/\" style=\"color:#660033;font-weight:600;\">Dubai First-Time Home Buyer Programme<\/a>.<br><br>This guide is general information about the UAE credit bureau system, drawn from the sources named and dated throughout. It is not legal, tax or financial advice, and it is not a recommendation of any lender or product. We were unable to reach Al Etihad Credit Bureau\u2019s own website while researching this guide, so the fees and bands above come from named third-party sources that agree with one another rather than from the bureau directly \u2014 AECB sets its own pricing and scoring model and can change either, so confirm the current position with AECB before you rely on any figure here.<\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CONTACT \u2550\u2550\u2550 -->\n<section class=\"qz-contact\" id=\"qz-contact\">\n  <div class=\"qzc\">\n    <div class=\"qz-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Talk to TruHauz<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Fix the File Before You Apply<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">TruHauz would rather tell you to wait six months and buy well than watch an application fail on an entry that could have been corrected. Tell us what your report shows and what you are trying to do.<\/p>\n        <div class=\"qz-ci\"><span>\ud83d\udcde<\/span><span class=\"qz-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Phone \/ WhatsApp<\/strong><a href=\"tel:+971529715488\">+971 52 971 5488<\/a><\/span><\/div>\n        <div class=\"qz-ci\"><span>\ud83d\udce7<\/span><span class=\"qz-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Email<\/strong><a href=\"mailto:info@truhauz.com\">info@truhauz.com<\/a><\/span><\/div>\n        <div class=\"qz-ci\"><span>\ud83c\udfe2<\/span><span class=\"qz-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">RERA Licensed<\/strong><span>60838 \u2014 Dubai, UAE<\/span><\/span><\/div>\n        <div style=\"margin-top:24px;\"><a href=\"https:\/\/truhauz.com\/contact\/\" class=\"qzbg\">Get in Touch \u2192<\/a><\/div>\n      <\/div>\n      <div class=\"qz-form-wrap\">\n        <iframe aria-label=\"Contact Us\" frameborder=\"0\" style=\"height:520px;width:100%;border:none;display:block;\" src=\"https:\/\/forms.zohopublic.com\/elchintru1\/form\/ContactUs\/formperma\/_DensyNXfgDItjE-TsZ92uQERcSIhTnizr-QPf3wrBk\"><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"qz-footer-strip\">\n  \u00a9 2026 TruHauz Real Estate \u00b7 RERA Reg. 60838 \u00b7 Dubai, UAE<br>\n  <a href=\"https:\/\/truhauz.com\/buy\/\">Buy<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/status\/off-plan\/\">Off Plan<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/golden-visa\/\">Golden Visa<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/mortgage-guide\/\">Mortgage Guide<\/a>\n<\/div>\n\n<\/div><!-- end .qz -->\n\n<script>\nfunction qzFaq(el){var item=el.parentElement;var wasOpen=item.classList.contains('qz-open');document.querySelectorAll('.qz-faq-item.qz-open').forEach(function(i){i.classList.remove('qz-open');});if(!wasOpen)item.classList.add('qz-open');}\n(function(){function init(){var w=document.querySelector('.qz');if(!w)return;var e=w.parentElement;while(e&&e!==document.documentElement){e.style.setProperty('padding-left','0px','important');e.style.setProperty('padding-right','0px','important');e.style.setProperty('padding-top','0px','important');e.style.setProperty('overflow','visible','important');e.style.setProperty('max-width','none','important');e=e.parentElement;}['.post-header-wrap','.post-thumbnail-wrap'].forEach(function(s){var el=document.querySelector(s);if(el)el.style.setProperty('display','none','important');});document.body.style.setProperty('overflow-x','hidden','important');}document.readyState==='loading'?document.addEventListener('DOMContentLoaded',init):init();})();\n<\/script>\n\n\n<script type=\"application\/ld+json\">{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"@id\": \"https:\/\/truhauz.com\/aecb-credit-score-uae\/#faq\",\n \"url\": \"https:\/\/truhauz.com\/aecb-credit-score-uae\/\",\n \"mainEntity\": [\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is a good AECB credit score in the UAE?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Two sources we checked publish identical bands: 300 to 619 is rated poor, 620 to 679 fair, 680 to 730 good, and 731 to 900 excellent. Those bands appear in StashAway MENA\u2019s guide of 21 July 2026 and in Kredium\u2019s guide last updated 24 July 2025. The score runs from 300 to 900, and a higher number signals a lower risk of missed payments. What no source we retrieved would state is a minimum score that UAE mortgage lenders require, because banks set their own thresholds and read the underlying report rather than the headline number alone. Anything in the good or excellent bands puts you in a normal lending conversation; below that, expect questions.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How much does an AECB credit report cost?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"A full individual credit report costs AED 84 including VAT, a figure given by both StashAway MENA on 21 July 2026 and Kredium as at 24 July 2025. A report with the score attached is AED 105 including VAT, and the score on its own is AED 10.50 including VAT according to StashAway\u2019s July 2026 guide. We were unable to reach Al Etihad Credit Bureau\u2019s own website during research for this guide, so these figures come from two independent sources that agree rather than from the bureau directly. AECB sets its own pricing and can change it, so confirm the current fee on the AECB app or website before you pay.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How do I get my AECB credit report?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Individuals can buy a report through the Al Etihad Credit Bureau website or its mobile app, which is published on both Google Play and the Apple App Store, or in person at an AECB customer happiness centre. Identity is verified by scanning your Emirates ID, and payment is taken online. Companies apply differently: Standard Chartered\u2019s UAE guidance states that a company representative attends an AECB customer happiness centre with the original Emirates ID, a valid trade licence and the Articles of Association. Pull your own report before any lender does, so that anything wrong on it can be corrected before an underwriter reads it.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What information does Al Etihad Credit Bureau hold about me?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Kredium\u2019s guide, last updated 24 July 2025, lists identification details, current and past loans, credit card usage, payment history covering 24 months, bounced cheques, and court judgments relating to unpaid debts. The data does not come from you \u2014 it is supplied by information providers, which Kredium describes as banks and finance companies, telecommunications providers, and government or semi-government entities. Standard Chartered\u2019s UAE credit bureau page similarly describes AECB as a federal government organisation collecting credit data from banks, financial institutions and telecom companies. That is why an unpaid mobile bill can sit alongside a car loan on the same file.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How do I correct an error on my AECB credit report?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"StashAway MENA\u2019s July 2026 guide sets out the route: raise the item through AECB\u2019s data correction tool or by email to disputes@aecb.gov.ae. The data provider that supplied the disputed entry must then respond within 10 working days, and no fee applies to raising a dispute. The entries most worth checking are a facility you have settled that is still showing as open, a loan that is not yours, and an address or identity detail that does not match your Emirates ID. Because a correction takes working days rather than minutes, this is a task to complete before you approach a lender, not during an application.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How long does a missed payment affect my AECB score?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"StashAway MENA\u2019s guide of 21 July 2026 states that recovery from a delinquency can take up to 24 months under the scoring model in use at the time of writing, and that this is expected to shorten to roughly six months under a forthcoming model the guide refers to as Credit Score 3.0. We have not given a date for that change because the source describes it as expected rather than implemented. The practical implication is that credit repair in the UAE runs on a timescale of months to years, not weeks. If you intend to apply for a mortgage, the payment record you want the bank to see has to be built well before you start looking at property.\"\n   }\n  }\n ]\n}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>The AECB credit score explained for UAE property buyers and tenants: the 300-900 bands, what a credit report costs, the data Al Etihad Credit Bureau holds, the six factors that move your score, and how to dispute an error.<\/p>","protected":false},"author":12,"featured_media":34713,"comment_status":"open","ping_status":"0","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-42711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dubai-real-estate-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>AECB Credit Score: Bands, Fees and How to Check It<\/title>\n<meta name=\"description\" content=\"Your AECB credit score decides your UAE mortgage. 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