New UAE Pass Credit Score Verification to Verify Someone’s Credit Score for Dh80

Now, you can easily verify someone’s credit score, as it has become faster, safer, and clearer. This happened because the Etihad Credit Bureau (ECB) has announced a new consent-based tool that will soon allow residents to check the credit score of another person through the UAE Pass Credit Score Verification for a fee of Dh80. 

This upcoming feature aims to transform transactions, like renting property, signing private service agreements, and entering payment-based contracts, by reducing risks and removing the need for post-dated cheques. 

A Major Shift in How Credit Information Is Shared

Until now, you were required to directly ask for someone’s credit report to verify their credit score. However, it often caused delays, discomfort, and manipulation. Moreover, many landlords, freelancers, and small business owners depend heavily on cheques or trust alone, which leads to disputes. 

According to Marwan Ahmad Lutfi, Director General of Etihad Credit Bureau,  the new consent-based tool solves a long-standing problem. He explained, “You log in with the UAE pass, enter the Emirate ID. They receive a prompt to confirm. Only if they give consent does the information get shared.”

ECB highlights that consent is central to the system. No information can be accessed unless the person approves the requests. Hence, it ensures privacy and full control over personal financial data. 

How the New UAE Pass Credit Score Verification Will Work

After the launch, the system for UAE Pass Credit Score Verification will be simple and secure. Below is the list of steps to get the credit score with the UAE Pass:

1. You should log in using your UAE pass. 
2. Next, you should enter the Emirates ID of the person whose credit score you want to verify. 
3. After that, the person will receive a UAE pass notification. 
4. That person must approve the request for the score to be shared. 
5. At last, you have to pay Dh 80, which will give you the verified score. 

It is important that the feature will not work without consent. Hence, it will strengthen transparency and remove the risk associated with manual documents or verbal promises. In addition, the new system is expected to launch next year. 

Moreover, the ECB is already testing the framework and developing the sector-specific versions for landlords, gig platforms, SMEs, and service providers.

Why This Feature Matters for UAE Residents

The new system is expected to do the following tasks: 

• Reduce disputes in private rental agreements
• Help landlords and businesses assess financial reliability instantly
• Minimise reliance on post-dated cheques
• Make transactions safer for freelancers and gig-economy workers
• Increase confidence in peer-to-peer and short-term contracts

The ECB states that its mission is to make financial data more accessible so businesses and people can make informed decisions with reduced risk. 

Understanding the Credit Score in the UAE

If you are planning to live or work in the UAE, you should understand how your credit score works. Remember, the Etihad Credit Bureau collects your financial data from banks, telecom operators, and service providers to generate your score. Below is the UAE Credit Score range:

• 750 – 900: Excellent
• 700 – 749: Good
• 650 – 699: Fair
• Below 650: Poor

A higher credit score could provide you with the following perks:

• Increase the chance of getting loans approved faster
• Increase the chance of securing lower interest rates
• Renting apartments without heavy deposits
• Obtaining utility connections smoothly
• Getting approved for credit cards or instalment plans

How to Check Your Own Credit Score in the UAE

You can easily check your own credit score using the AECB website and mobile apps. However, you will get the following options:

• AED 10.50 – Basic credit score
• AED 84 – Full credit report

Both options are generated instantly and help you understand your financial standings before applying for loans or rentals. 

What Determines Your UAE Credit Score?

Your credit is calculated based on the following factors:

• Payment history (most important factor)
• Credit usage (credit card balances vs. credit limit)
• Length of credit history
• Types of credit used (cards, loans, etc.)
• Recent credit applications

Late payments, high credit card balances, and frequent loan applications can lower your score.

How to Improve a Low Credit Score Quickly

You can improve your credit score if your credit score is lower than expected.  Here are the top steps that can help you improve it:

1. Pay all your bills on time.

It is an important step because a single unpaid bill could drop your credit score. 

2. Keep credit card usage below 30%

Financial stress could increase when spending too much of your limits. 

3. Avoid applying for multiple loans at once

Too many credit inquiries can lower confidence in your stability.

4. Maintain a mix of credit types.s

You can develop financial credibility by mixing loans and credit cards. 

5. Review your credit report regularly.

You should review your credit report to find any errors that might be hurting your score. 

Your credit score could improve noticeably within a few months because of responsible financial behaviour. 

A Step Toward Smarter Digital Transactions in the UAE

The new UAE Pass feature is another milestone in the push forward of seamless digital services in the country. Moreover, the UAE is empowering trust and transparency across personal and business transactions by simplifying credit score verification and reducing dependence on cheques. 

Residents can expect faster, safer, and more reliable financial interactions as this feature rolls out next year for renting a home, setting up a service contract, or entering freelance agreements.

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