Credit Score

Know your rights! How to dispute credit report errors?

It is important that you develop the habit of being aware of the relevance of your credit report and that you also develop the habit of checking it regularly. The “credit report” in short, can determine your purchasing power and can influence decisions to get a loan from a bank, to rent or to buy real estate. It is even said that we are relying on my potential employers to validate your reliability with regard to financial obligations. A financial institution can often rely on your credit report to determine if you qualify for the loan and also to determine the amount of deposit you must pay to obtain a loan. For these various requirements, you should regularly check your credit report and credit score and aim to create a strong credit history.

In the United Arab Emirates, the federal organization “Al Etihad Credit Bureau” (AECB) is responsible for collecting all credit data and information and is responsible for providing accurate credit reports to individuals, financial institutions and businesses. United Arab Emirates. The AELC was established in 2014 as a 100% owned PJSC entity by the Federal Government of the United Arab Emirates, with offices in the Emirates of Dubai and Abu Dhabi.

A “credit card report” can be requested from the AELC by any person, business or financial institution in the UAE. These credit reports could include the following details, such as full credit history, payment history for the last twenty-four months, overdue payment amounts, overdue payment records, check record without provision.

A credit report obtained from the AECB will include the following details


  • Record of your current and past credit facilities
  • Your late payment, if applicable
  • All your payment history for the last twenty-four months
  • Records of your defaults, including bad checks, if applicable

How to dispute the credit report:

Consumers are allowed to dispute any data presented in the “credit report” issued by the AELC and also have the option of proving the inaccuracy of certain data by submitting supporting documents. To raise a dispute, a person must submit their original Emirati ID when raising the dispute for verification and complete a “dispute form”. The customer is also required to submit with the request a copy of the latest credit report.

This basically means that you can only raise a dispute about your last reports. The processing time for a dispute is generally twenty working days. To resolve disputes, the AECB works in collaboration with the lending institution itself which has provided the necessary data to ensure its validity. In addition, the AELC takes into account the supporting documents provided by the customer to prove his claim. Once the dispute is resolved, the AECB representatives contact the client and provide them with their comments regarding the dispute.

Essentially, review your credit reports periodically for any inaccurate or incomplete information and, in such a case, proceed to create a “dispute form” with the AECB. It is important to understand that your credit report affects your overall credit score, which is a parameter in determining your ability to miss a payment in the future. It is therefore a very critical analysis report for your overall payment behavior.

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