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How to Get Your AECB Bureau Report in UAE — Step by Step
Why You Should Check Your AECB Report
Your AECB bureau report is a complete record of your credit history in the UAE — every loan, credit card, missed payment, and bank enquiry made in your name. Most UAE residents have never seen their report. Many are surprised by what is in it: old accounts they forgot about, errors they did not know existed, or scores significantly lower than expected.
Understanding your report is the starting point for taking control of your financial life in the UAE. It shows you exactly where your score stands, what is damaging it, and what actions will have the most impact.
Who Can Get an AECB Report?
Any UAE resident with an active Emirates ID can access their AECB credit report. You do not need to be a UAE national — expatriate residents are fully covered by the AECB system. The report covers all credit accounts opened while you have been in the UAE.
Note: if you are new to the UAE and have never had a bank account, loan, or credit card here, your report may come back showing no credit history — which means you have no AECB score yet. This is different from a bad score, and is addressed differently.
Step 1 — Visit the Official AECB Website
Go to etihadbureau.ae — this is the official portal of the Al Etihad Credit Bureau. Do not use any third-party websites that claim to provide AECB reports, as these are not authorised sources.
Step 2 — Create an Account or Log In
First-time users need to register using their Emirates ID number and mobile number. The portal will send an OTP to your registered mobile for verification. If you have used the portal before, log in with your existing credentials.
Make sure the mobile number you use is the same one registered with your Emirates ID, as the OTP verification is linked to this.
Step 3 — Choose Your Report Type
AECB offers different report options. The most useful for understanding your credit situation is the Credit Report with Score, which includes your credit score alongside the full account breakdown. Visit etihadbureau.ae for current pricing on each report type.
The report with your score is worth the additional cost if you are trying to understand or improve your credit situation — the score alone tells you a lot about where you stand.
Step 4 — Pay and Download
Payment is made online by credit or debit card. Once payment is confirmed, your report is generated immediately and available to download as a PDF. Save it securely — it contains sensitive financial information.
If your report is password protected (which AECB does for security), the password is typically your Emirates ID number. You will need this password when uploading to any analysis tools.
What is in Your AECB Report?
Your report contains several sections:
- Personal information — name, Emirates ID, nationality, employer details as reported by lenders
- Credit score — your current score (300–900) and the category (Poor/Fair/Good/Excellent)
- Credit summary — total number of accounts, total outstanding balance, worst payment status
- Account details — every credit account ever opened in your name in the UAE, including current status, credit limit, outstanding balance, and payment history for the last 24 months
- Enquiries — a list of every time a bank or institution has checked your report (hard enquiries from applications, soft enquiries from monitoring)
What to Look for When You Receive Your Report
Go through your report systematically. Key things to check:
- Is your score where you expected? If it is lower than expected, look for the cause in the account details.
- Are all the accounts yours? Any account you do not recognise should be investigated immediately.
- Are all payment statuses accurate? Look for any payment marked as late or missed that you believe was paid on time.
- Are any closed accounts still showing as open?
- How many hard enquiries are listed? More than 4–5 in the last year is a concern.
- Are there any defaults or written-off accounts? These have the biggest negative impact and need to be addressed.
What to Do After You Have Your Report
Once you have your report, you have two options. You can go through it manually — which takes time and some financial literacy — or you can upload it to AECBSudhar for a free AI-powered analysis.
The analysis reads your specific report and gives you a complete breakdown in plain English: what your score means, which accounts are hurting it and by how much, which items are worth disputing, and a personalised step-by-step action plan. If your report is password protected, the tool handles decryption — you just need to enter the password when prompted.
Understanding your report is step one. Knowing exactly what to do about it is step two — and that is where AECBSudhar comes in.