Your credit profile

Set the six factors

Missed payments · last 12 monthsiPayment history is the heaviest factor in most scoring models. Recent misses on loans, cards or telecom bills hurt most, and fade as clean months push them out of the 12-month window. 1 Credit card utilisationiHigh balances relative to limits suggest strain even if you pay on time. Staying under roughly 30% of total limits is the widely cited healthy zone; near-maxed cards drag hardest. 65%

Balances as a share of your total card limits

New credit applications · last 6 monthsiEvery application records a credit enquiry on your file. Several in a short window can signal credit hunger; enquiries typically stop counting after about 6 months. 2 Bounced cheques · last 24 monthsiCheques carry special legal weight in the UAE, so returned cheques are reported to AECB and drag a score heavily. The record fades slowly and can stay visible for years. 0 Length of credit historyiA longer track record gives lenders more evidence of how you repay, so account age helps. This is one reason to keep your oldest account open. 4 yrs Active credit products 3

Cards, loans, auto finance, mortgage

Reference · the AECB score scaleiAECB scores run from 300 to 900; higher means lower predicted risk of missed payments. Banks use these bands to approve and price credit, and each bank sets its own cut-offs.

300 541 651 711 746 900

Low 300–540 Fair 541–650 Good 651–710 Very good 711–745 Excellent 746–900

Static reference for the official bands; this tool does not show your score.

How each factor is pulling right now

Direction and rough weight in Himma's simplified model, not points on your real score.

01Potential impact

Pick your actions. See the typical impact range.

Pay cards down below 30% utilisation Pay everything on time from now onClean payments push old misses out of the recent 12-month window. Stop new credit applicationsRecent enquiries stop counting after about 6 months. Resolve bounced-cheque issuesSettle and keep the account funded: this record fades slowest.

Combined potentialiAdds up the low ends and high ends of every selected action's range. Factors overlap in real scoring, so actual combined gains are often smaller than this simple sum.

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Band direction

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Typical impact per action · shared scaleiEach bar shows a typical points range from Himma's simplified model, drawn on one shared scale so actions are comparable. Ranges are illustrations, not predictions of your score.

Typical ranges, not predictions; serious negatives can stay visible for up to five years.

Sources. Factor categories, the 300–900 score range and the rating bands: Al Etihad Credit Bureau's published guidance (etihadbureau.ae), the UAE federal credit bureau established under Federal Law No. 6 of 2010 concerning credit information. Score and report pricing (score ≈ AED 30 + VAT, report ≈ AED 80 + VAT, both ≈ AED 100 + VAT) from AECB's published fees, as of July 2026. The 50% Debt Burden Ratio cap: Central Bank of the UAE regulations. Point weights in the simulator are Himma's illustrative model, not AECB's algorithm.

Educational tool only: not financial, legal or credit advice, and not affiliated with or endorsed by Al Etihad Credit Bureau. The scoring model on this page is Himma's simplified illustration of published factor categories; it is not AECB's algorithm and will not match your official score. Band definitions, retention periods and pricing are as of July 2026 and may change; verify with AECB (etihadbureau.ae) and your bank before acting.

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