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Understand Your Credit Score

Your credit score affects your ability to get loans, credit cards, and sometimes even housing or employment. Learn what it means, what affects it, and how to improve it.

Credit Score Ranges (UAE / AECB)

Excellent 781 – 900

Best rates available. You are considered very low risk by lenders.

Good 661 – 780

Eligible for most credit products at competitive rates.

Fair 521 – 660

Approval is possible but interest rates may be higher. Work on improving this score.

Needs Work 300 – 520

Difficult to obtain credit. Focus on building positive payment history.

Ranges based on the AECB (Al Etihad Credit Bureau) scoring model used in the UAE.

What Affects Your Score

Your credit score is calculated using several factors. Understanding each one helps you focus your effort on what matters most.

How to Improve Your Score

Credit scoring in the UAE is managed by the AECB (Al Etihad Credit Bureau). You can request your credit report directly from AECB. This page is for educational purposes only and does not represent an official credit assessment.