Your credit score plays a crucial role in determining your financial health in the UAE. The financial institutions alongside landlords and lenders make credit history assessments as a condition before providing approvals for loans and credit cards and residential tenancy agreements. As the official UAE organization the Al Etihad Credit Bureau (AECB) provides credit score generation for the entire country.
In this comprehensive guide, I will explain how you can check your credit score using different methods, including the AECB website, AECB mobile app, and the TAMM app.
What is a Credit Score?
A credit score is a three-digit number that represents your creditworthiness based on your financial history. The AECB establishes credit scores through an evaluation of the way candidates have handled previous credit transactions involving mortgage obligations and credit expenditures and debt amounts. Your credit score will demonstrate reduced risk to lenders to obtain favorable conditions on financial products.ore indicates a lower risk for lenders, increasing your chances of securing financial products with favorable terms.
How to Check Your Credit Score in the UAE?
There are three core ways to obtain your credit score in the UAE.
- Via AECB’s Official Website
- Via AECB’s Credit Report App
- Via TAMM App (Abu Dhabi Government Services)
1. Check Your Credit Score via AECB’s Official Website
Step 1: Access the AECB Website
- Open your web browser and go to the official AECB website: www.aecb.gov.ae
Step 2: Create an Account or Log In
- Users who are new to the system should select Register or Create Account then fill in the required information which includes their Emirates ID.
- Existing users must access the account by using their established credentials.
Step 3: Verify Your Identity
- The verification process of your identity happens through your Emirates ID.
- Perform the automated steps that appear to finish the authentication process.
| Credit Score Range | Rating | Description |
|---|---|---|
| 300–579 | Poor | Very low credit score; likely to be denied credit or offered high-interest rates. |
| 580–669 | Fair | Below average; may qualify for credit but with less favorable terms. |
| 670–739 | Good | Near or slightly above average; likely to qualify for credit at reasonable rates. |
| 740–799 | Very Good | Above average; qualifies for better interest rates and terms. |
| 800–850 | Exceptional | Highest credit score; qualifies for the best interest rates and terms. |
Step 4: Request Your Credit Report or Score
- The My Credit Report section or the Credit Score page can be found after successful login.
- The system provides two options acquiring the complete credit report or receiving just the credit score information.
Step 5: Pay the Required Fee
- You must pay a fee to AECB when you want to access their credit report information and credit scores.
- Follow the payment instructions to complete the transaction.
Step 6: View and Download Your Credit Report/Score
- Full access to your credit report becomes possible after payment completion allowing you to view and download it.
2. Check Your Credit Score via the AECB Mobile App
Step 1: Download the AECB App
- Find the AECB Credit Report application through Apple App Store (for iOS) and Google Play Store (for Android).
- Download and install the official AECB Credit Report App.
Step 2: Register or Log In
- Start the application process by logging in either with new account registration or established AECB account credentials.
Step 3: Verify Your Identity
- The app has instructions that guide users through Emirates ID verification procedures.
Step 4: Request Your Credit Report/Score
- Select the section which allows you to request your credit report or credit score.
Step 5: Pay the Required Fee
- Proceed with the payment inside the application interface.
Step 6: View and Download Your Credit Report/Score
- When payment is verified you can access your credit report and score through the app downloading interface.
3. Check Your Credit Score via TAMM App (Abu Dhabi Government Services)
Step 1: Download the TAMM App
- Download the TAMM Abu Dhabi application by searching for it through Apple App Store or Google Play Store.
- Download and install the official TAMM app.
Step 2: Register or Log In
- Users need to establish a TAMM account before accessing the platform through their current credentials.
Step 3: Verify Your Identity
- A verification process based on Emirates ID will be mandatory for the app to proceed.
Step 4: Search for AECB Services
- The search function and service browse section of the platform help you locate AECB credit score/report services.
Step 5: Follow On-Screen Instructions
- Follow any displayed instructions in the app to obtain your credit report or score by payment.
Step 6: View and Download Your Credit Report/Score
- Once payment is successful, you can view your credit score within the TAMM app.
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How Much Does It Cost to Check Your Credit Score in the UAE?
The AECB system requires payment from users who want a credit score check or a full credit report. The costs depend on which type of report you want to obtain. Typically:
- Credit Score Only: AED 10 – AED 30
- Full Credit Report: AED 80 – AED 100
How Often Should You Check Your Credit Score?
I recommend that you check your credit score at least once every six months to ensure that your credit information is accurate and up to date.
How to Improve Your Credit Score?
Elevating a poor credit score requires implementing these following strategies:
1. Pay Your Bills on Time
- The late payment of your debts will lower your credit score. Payment of your credit card bills together with all your EMIs and utility bills must be completed on time.
2. Reduce Your Credit Utilization
- Always maintain a credit utilization level below 30% of the sum of all your credit limits.
3. Avoid Multiple Loan Applications
- Your credit score decreases when you submit multiple credit applications or financial loan applications close to one another.
4. Maintain a Healthy Credit Mix
- Your credit portfolio should include both secured loan products such as mortgages and unsecured forms including personal loans together with credit card.
5. Check Your Credit Report for Errors
- Routine inspection of your credit report must include immediate notification to AECB about all encountered inaccuracies.
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Final Words
Your financial status in the UAE depends heavily on the state of your credit score. By using any of the AECB website and mobile app or TAMM app tools to access your credit score you will get important information which enables better financial decision making. Monitoring your credit regularly while practicing responsible financial habits will improve your credit score gradually which results in better loan and credit card access.
