Money, made clear.

The credit report is the evidence; the score is the verdict. The report lists every facility, 24 months of payment history, bounced cheques, and inquiries; the score compresses all of it into one number from 300 to 900.

The score changes only when the report changes. You cannot fix the number directly; you fix the file, and the number follows on the next monthly reporting cycle.

Buy the bundle (~AED 105). The score alone (~AED 31.50) tells you that something is wrong; only the report (~AED 84) tells you what.