AECB company credit report and score: how to get and read it

To get your company’s credit report, apply online to the Etihad Credit Bureau (AECB), then verify and pay in cash at an Al Ansari Exchange branch with the Emirates ID of a partner, shareholder or manager and a copy of the trade licence. The report costs AED 157.50 including VAT, covers the last three years and includes the company score, which runs from 300 to 900.

Key takeaways

• A company applies online, then verifies and pays in cash at an Al Ansari Exchange branch with the Emirates ID of a partner, shareholder or manager named on the trade licence.
• The company credit report costs AED 157.50 including VAT, covers the last three years and already includes the company score.
• The company score runs from 300 to 900, costs AED 10.50 on its own, predicts missed payments over the next 12 months and is generated only if the company used credit facilities in the last 24 months.
• Lenders may also read the owners' personal reports, especially when an owner guarantees the company's borrowing.
• Correcting wrong company data is free for any report bought in the last 30 days, with one request for each information provider.

The company’s report is separate from its owners’ personal reports. The bureau collects the information directly from banks, finance companies, telecom companies and other providers under Federal Law No. 6 of 2010 on Credit Information, and it does not add or edit that data itself: buying the report shows what the providers have already reported. For the wider topic, see our Business credit guides or the glossary entry for a company credit report.

Company report and score at a glance

The report is the full record and already contains the score; the score on its own is a single number. Both are applied for the same way. Before borrowing, the report is the one to read, because it shows everything that has been reported about the company, not just the number.

Company credit report

AED 157.50

A company credit report costs AED 157.50 including VAT and covers the last three years.

Company credit score

300 to 900

The company credit score ranges from 300 to 900 and predicts the likelihood of a company missing payments in the next 12 months; it costs AED 10.50.

How to get your company’s report

Apply on the bureau’s website, then have a partner, shareholder or manager named on the trade licence complete verification and pay at an Al Ansari Exchange branch. This differs from the app route the bureau describes for personal reports.

1. Apply online. Submit the application on the bureau’s report request page (online.etihadbureau.ae/reportrequest) and keep the application number.
2. Go to an Al Ansari Exchange branch. Bring the physical Emirates ID of any partner, shareholder or manager listed on the trade licence, the application number and a copy of the trade licence.
3. Pay in cash. The bureau says payment at Al Ansari Exchange must be in cash only.
4. Receive the report. The bureau’s business pages say the report is then delivered to your email in minutes. Companies can also view it in the website dashboard.

How a company applies

Online, then Al Ansari Exchange

To get a company credit report or score, the company applies online at online.etihadbureau.ae/reportrequest, then completes verification and pays in cash at an Al Ansari Exchange branch, presenting the physical Emirates ID of any partner, shareholder or manager listed on the trade licence, the application number and a copy of the trade licence.

If someone else is to receive the report or score for the company, the bureau asks for a Power of Attorney authorising letter. Reports are electronic, and the bureau says they need no company stamp or signature.

Reading the company score

A company score is a three-digit number from 300 to 900 that estimates how likely the company is to miss payments in the next 12 months: the higher the score, the lower the risk. The bureau’s business pages give no bands or cut-off for company scores. The bureau also says it plays no role in approving applications, so each lender reads the score against its own policy.

The bureau names three factors behind the company score:

• Credit management: how well the company manages its credit limits.
• Payment history: the company’s record of paying on time.
• Credit contracts: how many credit facilities the company currently holds.

Late telecom bills count too. Telecom companies report delays to the bureau, and it says they may lower the score.

The company scale is not the personal scale. Individual scores under the bureau’s current model use different ranges, so a company score of 700 and a personal score of 700 do not mean the same thing. See personal score ranges for the individual side.

Why there may be no score

The bureau generates a company score only if the company used credit facilities in the last 24 months. A new company, or one that trades without loans, cards or other facilities, can buy a report and find no score in it. A lender then has to rely on the rest of the report and on the documents it asks for.

What lenders look at in the report

Under Central Bank rules in force from 13 September 2026, a bank or finance company lending to an SME must examine its credit record: solvency, ability to meet monthly credit obligations and past credit behaviour. It should lend only after obtaining the relevant details from the credit information agency, which the regulation defines to include the Etihad Credit Bureau.

Lenders must check an SME's credit record

Credit record check

Banks and finance companies must examine an SME customer's credit record to verify its solvency, ability to meet monthly credit obligations and past credit behaviour over a sufficient timeframe, and should only provide credit after obtaining the relevant details from the credit information agency.

According to the bureau, the company report shows:

• company details and the company’s total credit and service exposure;
• each active or closed facility, with balances, card limits and usage, and three years of monthly payment patterns;
• defaults, overdue amounts and returned cheques;
• payment history with telecom operators and water and electricity providers;
• court-ordered financial obligations, and records from other sources such as government entities and business-to-business users;
• the company score.

How much weight a lender gives each item is its own policy. For the rest of a typical application, from trade licence to bank statements, see business loans for SMEs.

How the owners’ personal reports fit in

The company and each owner have separate reports at the bureau. A lender deciding on a company facility may also look at the owners’ personal records, especially when an owner is asked to give a personal guarantee. The bureau says guarantor information appears against each credit facility on its reports, as Central Bank regulations require.

So before a bank pulls anything, it is worth checking both reports. You can check your personal AECB report in the bureau’s app, or in the DubaiNow and TAMM apps with UAE PASS.

Owner's personal credit report

AED 84

A personal credit report from the Etihad Credit Bureau costs AED 84 including VAT, and includes the credit score.

Worked example

Preparing for a business loan with one owner as guarantor

The company and the plan are illustrations; the prices are the bureau’s.

1. Company credit report, score included: AED 157.50.
2. The owner’s personal credit report, score included: AED 84.
3. Total: AED 157.50 + AED 84 = AED 241.50.
4. If two partners will both guarantee: AED 157.50 + AED 84 + AED 84 = AED 325.50.
5. Buying the company score separately adds nothing new, because it is already in the report: AED 157.50 + AED 10.50 = AED 168 for the same information.

Checking the company report and one guarantor’s report before you apply costs AED 241.50, and correcting errors on either is free for 30 days after purchase.

Fixing errors in a company report

Use the bureau’s business data correction service, which is free for any company report bought in the last 30 days. The bureau does not edit data itself: it passes your request to the bank or company that reported it, and says the company’s credit history should be updated within 10 working days.

Correcting a company report

Free

Data correction is free for any company credit report bought in the last 30 days; the request form needs a copy of the trade licence, the bureau passes the request to the information provider, and the business credit history should be updated within 10 working days.

1. Read the report as soon as it arrives, so the 30 days do not run out.
2. Fill in the business data correction form for each error. Send a separate request for each information provider. A missing facility can be raised too, starting with the bank name and the type of facility.
3. Attach a copy of the trade licence and any documents that support the request.
4. Wait for the bureau’s email. If nothing has changed after 10 working days, reply to the email you received when you applied.
5. If the provider rejects the request, call 800-BUREAU (800-287328) to register a data correction dispute. The bureau accepts a dispute only after a rejection.

The Central Bank also sets a deadline for lenders, but it is written for consumers. Its Consumer Protection Standards require a licensed institution to correct errors it reported to the bureau within 7 complete business days of becoming aware of them, and the regulation defines a consumer as a natural person or sole proprietor. That covers the owners’ personal reports. We did not find a separate deadline for company data in the Central Bank’s SME customer protection rules.

Lender's deadline for consumer data

7 business days

A licensed institution must correct errors in the data it reported to the credit bureau within 7 complete business days of becoming aware of them.

Only wrong or out-of-date data can be corrected. A late payment or a returned cheque that was reported accurately stays on the record.

Keeping the company record clean

No single step guarantees a particular number: the bureau says the company score comes from an algorithm that weighs many variables. The habits it lists as helping are paying on time, avoiding returned cheques, holding fewer cards and loans, and keeping balances and card utilisation down.

• Pay every facility on time, including telecom bills, which are reported too.
• Honour every cheque. Returned cheques appear on the company report, and the holder of a cheque marked unpaid for insufficient funds can go straight to the execution court; see bounced cheques after the 2022 reforms.
• Watch how much of your limits you use. Credit management is one of the three score factors the bureau names.
• Hold only the facilities you need. Fewer cards and loans is on the bureau’s list.
• Buy a fresh report before each application, so you see what has been reported before a lender checks it.

A returned cheque can be enforced directly

Direct enforcement

A cheque marked by the bank as unpaid for insufficient or no balance is an executive document: the holder can ask the execution court to enforce it, in whole or in part, without first filing a lawsuit.

What happens to a business, and to its guarantors, when a loan goes unpaid is a topic of its own and is not covered here.