How Long Does It Take to Improve Your Credit Score in UAE

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A credit score estimates the creditworthiness of an individual and demonstrates your capabilities and history regarding financial services and products. Being aware of your credit score is necessary before submitting an application for credit cards or loans. This score is calculated and provided by the Al Etihad Credit Bureau (AECB).
In the UAE, the range of credit scores lies between 300- 900. While a score near 720 or above is generally considered a good credit score, a score way below 720 may negatively impact your chances of obtaining a loan or credit card. As a low credit score generally indicates a poor history of transactions, it becomes risky for insurance providers to approve your requests. 
If you wish to know how to improve your credit score fast, continue reading the article below. 

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Factors Affecting the Credit Score

As mentioned above, the Al Etihad Credit Bureau is the authority that evaluates your credit score in the UAE. The organisation contacts bank institutions and insurance companies to collect relevant data regarding an individual. After gathering all this information, the AECB determines the borrower’s financial history and evaluates the credit score. 

Being aware of the aspects that are considered for your credit score is crucial if you want to find out how to improve your credit score fast. Enlisted below are the factors considered by the bureau to measure your AECB score -

Credit History:

The AECB verifies all your records of transactions and debts, analyses if the individual is capable of paying off the debt, and includes it in the credit report accordingly. The report consists of information about your credit accounts, the duration of every bank account, credit card usage, etc.

Previous Bill Payment Records:

The bank strictly inspects your bill payment details. Any late or missed bill payments significantly contribute to a low credit card score. Thus, make sure to pay your bills on time.

Payment of Current Debts:

An oft-overlooked aspect of determining your credit score is checking if the individual is already in debt. If the individual is found in debt, the bureau further verifies the amount of the loan and whether the debtor would be able to clear the amount within the given tenure based on their current salary.

Irregular Loan Payments:

Financial institutions closely monitor your loan repayments and whether you are punctual regarding the payment of the required amount.

Accessing Several Bank Accounts:

Although having multiple bank accounts does not create a bad impression concerning your credit score, opening many accounts in a short time without managing them properly can affect your credit score.

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Quick Ways to Improve Your Credit Card Score Fast

If you ever wondered how to improve credit score in 30 days, you must know that improving your credit score may take considerable time. Nevertheless, following a few simple steps can help you upgrade your credit score in a short time. This could prove immensely helpful as you get low-interest rates when you maintain a healthy record of your finances and credit card utilisation. 

Go through the following points to know different techniques for enhancing your AECB credit score -

Timely Bill Payments:

One of the simplest ways to improve your credit score fast is by paying all your utility bills on time. Other than that, timely repayment of bills also ensures better management of your finances.

Clearing Out Pending Balances:

While paying the instalments regularly is always recommended, you can also save funds for a while and utilise them to clear out all the pending balances. This can quickly provide a boost to your credit score in UAE.

Reduce Your Credit Card Accounts:

If you have several accounts open that are managed properly, your credit card score may essentially remain the same. However, opening numerous accounts altogether questions your financial ability, and doing so without any specific reason may eventually reduce your chances of obtaining a new credit card or loan approval.

Restricting Your Loan Applications:

Even if you require a loan right in an instant, you should not send multiple loan request applications to any bank. Having your loan applications rejected can have a negative impact on your credit score. Moreover, banks keep track of the number of applications sent by an individual as well. This aspect, coming to light during the evaluation of your credit score, can substantially lower the score.

Credit Score Review:

It is necessary to check your credit score to understand the reasons behind a poor credit score. Reviewing it at regular intervals can allow you to take certain steps and gauge how fast your credit score goes up. At the same time, checking your credit score frequently can impact the score. Thus, while you should verify your credit score occasionally, it is recommended to do so only at considerable intervals.

Significance of Having a Good Credit Score

Given below are the points to understand why you need to improve your credit score fast and maintain a good one:

  • To check your eligibility for loan and credit card approval, financial institutions need your AECB score data.
  • Most banks decide your credit limit or the loan amount only after evaluating your credit score. Consequently, the amount that you will be able to utilise as well as the applicable interest rates will significantly depend on your credit score. 
  • Similarly, to rent a home, you may be asked to present your credit score to the respective authorities. In such cases, having a good credit score may simplify the overall process for you. 
  • Insurance companies may also require your credit score when purchasing an insurance policy. Maintaining a good credit score here may get you better coverage at affordable prices.

How to Generate and Get Your Credit Report?

You can get your credit report through the following steps:

  • Install the AECB CreditReport app on your smartphone.
  • To register yourself or login, scan your Emirates ID.
  • Select the report type here. You can choose either the ‘Report with Score’ or the 'Score Only’ option.
  • Complete the payment to generate the document and view your credit score.

It should be kept in mind that a fee is levied by the AECB for providing access to credit score. If you are applying for a credit card or a new loan with Policybazaar UAE, you will be able to view your credit score for free. 

Key Takeaways

To improve your credit score fast, you must make the credit card and loan repayments on time and properly maintain your finances. While everyone would prefer to know how fast your credit score goes up, managing your finances properly over time is the best way to have a good credit score. So if you ever come up with questions like how to improve credit score in 30 days, you should follow all the steps maintained in the article yet keep in mind that the improvement may reflect over some time. 

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