UAE credit bureau launches 36-month scoring system with two ranges

Etihad Credit Bureau launched Credit Score 3i on Thursday, extending the credit assessment period from 24 months to 36 months and introducing two scoring ranges based on credit history depth. The system covers 11.6 million individuals and businesses as of September 2026.

Two scoring ranges for different credit profiles#

The system applies a 300 to 850 range for individuals with established credit histories. A second range of 300 to 650 applies to eligible individuals new to credit or new to the UAE with limited credit histories. The expanded coverage is designed to provide a more comprehensive picture of financial profiles for those without extensive borrowing records. Banks and authorised financial institutions receive additional information to support credit risk assessments, though lending decisions remain subject to individual institution policies and criteria.

Default settlement and score recovery timeline#

Residents who have resolved payment defaults may see improvements reflected in their scores within six months, depending on their subsequent repayment patterns and their complete credit record. The bureau stated that an increase during this period is not guaranteed. Whether improvements occur depends on how an individual manages repayments, the overall state of their credit file and whether the model's criteria are met. Fresh defaults or other adverse developments can interrupt progress, requiring an additional period of consistent positive behaviour before any score improvement appears.

Extended database and reporting coverage#

As of September 2026, the bureau's active financial database covered 20.2 million credit contracts currently active and 25.3 million International Bank Account Numbers in active status. Credit reports and scores issued by the bureau grew from roughly one million in 2015 to over 17 million in 2025. The bureau expanded its credit reporting in 2026 to include Buy Now, Pay Later accounts and other short-term credit products. The enhanced model provides individuals with information about factors influencing their scores, including both positive and negative financial behaviour, with recommendations accessible through credit reports.

Assessment criteria and institutional use#

Marwan Ahmad Lutfi, Director General of Etihad Credit Bureau, stated the system was developed to strengthen credit risk assessments and encourage responsible borrowing. The model analyses positive practices and recognises sustained improvements in credit behaviour. Through credit reports, users can access an analysis of factors affecting their scores. The 36-month assessment window allows a longer view of financial obligations and repayment patterns compared to the previous 24-month period.