AECB (Al Etihad Credit Bureau)
الاتحاد للمعلومات الائتمانية
Al Etihad Credit Bureau (AECB) is the federal company that compiles credit records on individuals and businesses in the UAE. Banks, finance companies, telecoms and utilities feed it payment data, and it produces the credit reports and credit scores that lenders check before approving loans, credit cards, mortgages and even some tenancies and jobs. A missed credit card instalment or a bounced cheque can sit on an AECB report and quietly block borrowing years later. Anyone can buy their own report and score through the AECB app, and a correction process exists for inaccurate entries. People meet the AECB when a loan is rejected and they want to know why. Lawyers use AECB reports in debt recovery to assess a debtor's exposure, in disputes over wrongly reported defaults, and when advising clients on rebuilding creditworthiness after settlements.
Also in
الاتحاد للمعلومات الائتمانية هي الشركة الاتحادية التي تجمع السجلات الائتمانية للأفراد والشركات في الإمارات. تزودها البنوك وشركات التمويل والاتصالات والمرافق ببيانات السداد، وتصدر هي التقارير والتقييمات الائتمانية التي تراجعها جهات التمويل قبل الموافقة على القروض والبطاقات والرهون العقارية. وقد يبقى قسط متأخر أو شيك مرتجع في التقرير ليعرقل الاقتراض لسنوات. ويمكن لأي شخص شراء تقريره وتقييمه عبر تطبيق الشركة مع إمكانية تصحيح القيود الخاطئة. ويستخدم المحامون هذه التقارير في تحصيل الديون وفي المنازعات حول حالات التعثر المقيدة خطأً.
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Related legislation
Cabinet Resolution No. (115) of 2021 Concerning the Executive Regulations of Federal Law No. (6) of 2010 Concerning Credit Information
Federal Decree by Law No. (6) of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business
Federal Law No. (2) of 1989 for Allowing the Citizens of GCC Countries to Practice the Whole or Retail Trade in the Country
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