Federal Law No. (6) of 2010 on Credit Information and its amendments in Federal Decree Law No. (8) of 2020 requires that entities accessing your credit report must have your consent in advance. Only lenders can request reports on their borrowers without their consent.

Like with banks and finance companies, this is decided by each telecom company according to their internal processes and policies.

Telecom companies may decide to utilise Etihad Credit Bureau’s Credit Reports and Scores to proactively monitor their customers’ credit worthiness in line with what banks and finance companies already do with their customers.

Etihad Credit Bureau collects credit information from banks, finance companies, water and electricity companies, courts and country wide cheque clearing system – in addition to telecom operators – which feed into generating Credit Reports, as well as forming the basis for predictive and analytics products such as the Credit Score and other unique indices.

Telecom operators use information in your Credit Report and Credit Score to assess your credit worthiness ahead of making their decision to provide you with postpaid phone services or device purchases on installment basis.

Telecom operators use information in your Credit Report and Credit Score to assess your creditworthiness ahead of making their decision to provide you with postpaid phone services or device purchases on installment basis.