How to Check Your AECB Credit Report: Every Channel, Every Cost

Every UAE bank decision starts with your Al Etihad Credit Bureau file. Here is exactly how to get your hands on it, what each option costs, and which version to buy.

What you're actually buying

AECB sells three consumer products:

1. Credit Score only: the three-digit number from 300 to 900, with no underlying detail. Roughly AED 31.50.

2. Credit Report only: the full factual file: every loan, card, and overdraft, 24 months of payment history, bounced cheques, and inquiries, but no score. Roughly AED 84.

3. Credit Report + Score: both together, roughly AED 105. If you're only buying one thing a year, buy the bundle. A score without the file behind it tells you that something is wrong, not what. (For a full breakdown of the distinction, see AECB score vs credit report: what's the difference?.)

Prices are set by AECB and can change; treat the figures above as indicative and confirm the fee shown at checkout.

Channel 1: The Etihad Credit Bureau app (fastest)

1. Download "Etihad Credit Bureau" from the App Store or Google Play.

2. Log in with UAE Pass, or register with your Emirates ID and a face-match verification step.

3. Choose your product, pay by card, and the PDF is available within minutes.

Channel 2: etihadbureau.ae

Same products, same prices, desktop flow. Register with Emirates ID and mobile number, verify, pay, download.

Channel 3: DubaiNow and TAMM

Both government apps connect directly to the bureau, so Dubai residents already using DubaiNow for DEWA and Salik, and Abu Dhabi residents on TAMM, can pull the report without a separate app.

Channel 4: Customer Happiness Centres

In-person service at AECB centres with your original Emirates ID. Useful mainly for company reports or authorization cases (power of attorney); for personal reports the app is faster.

Channel 5: Your banking app (score only, bank-dependent)

Some UAE banking apps, notably digital banks like Liv, show your AECB credit score inside the app. Availability varies by bank, and it's typically the score rather than the full report; for the report itself, the AECB channels above are the reliable route.

When to check

• Once a year as routine hygiene, to catch errors before they matter. If you find one, here's how to dispute an error on your AECB report.

• Two to three months before any major application: a mortgage, car loan, or refinancing. That window gives you time to fix errors and cut utilisation before the bank pulls your file, since changes typically surface in 30–60 days.

Reading what you bought

Start with the personal information section, where wrong Emirates ID links and stale employer data cause real underwriting problems. Then check that closed accounts show as closed, limits are current, and no facility appears twice. The score itself moves for reasons covered in our pillar guide, Your AECB Score Decoded: What the Numbers 300 to 900 Really Mean.

Want to see how your file translates to a number before paying? Run your inputs through our free AECB Credit Score Simulator first.

FAQ

• Does checking my own AECB report lower my score? No. Self-checks are soft inquiries. Only applications for credit, logged by lenders, count against you.

• Is there a free option? AECB and banks occasionally run free-score promotions, but the standard products are paid. There is no permanent free annual report equivalent to the US system.

• How current is the data? Member institutions report on a roughly monthly cycle, so your file reflects activity with a lag of about 30–60 days.

Sources and References

• Al Etihad Credit Bureau, Get Credit Report and Score, individual pricing (etihadbureau.ae)

• UAE Government portal, credit report overview (u.ae)

• DubaiNow app, AECB credit score service (digitaldubai.ae)

• Federal Law No. 6 of 2010 on Credit Information, as amended (uaelegislation.gov.ae)

This article is for general information and does not constitute financial advice.