Image Credit : WAM
Verifying someone’s credit score is about to get a lot easier for UAE residents. Etihad Credit Bureau (ECB) is preparing to launch a new Dh80 consent-based feature through UAE Pass that will let individuals securely confirm another person’s credit score — a move expected to simplify everyday transactions such as renting property, signing service agreements, and entering private contracts.
Marwan Ahmad Lutfi, Director General of Etihad Credit Bureau, said the upcoming feature addresses a long-standing challenge in business-to-consumer dealings, where landlords, service providers, or individuals often depend on post-dated cheques or unverified promises before handing over assets.
Today, one party must ask the other to provide their credit report, a process that can lead to delays or even manipulation. The new system removes that friction.
With the feature enabled, the requesting party pays Dh80 to verify the other person’s credit score. The individual being checked simply logs in via UAE Pass and approves the request using their Emirates ID details.
“You log in with UAE Pass, enter the Emirates ID of the person you want to verify, and they receive a prompt to confirm,” Lutfi explained. “Only if they give consent does the information get shared.”
He emphasised that consent is at the heart of the system, describing it as a safeguard that strengthens trust rather than intrudes on privacy.
Built for real-world interactions
ECB is now developing sector-specific versions of the tool to meet the needs of landlords, service providers, small businesses, and gig-economy platforms.
“The technology is ready. We’ve tested it and launched the framework,” Lutfi said. “The next step is identifying who needs it and tailoring use cases for next year.”
He added that ECB is the first organisation to roll out a consent-management platform via UAE Pass, calling it a joint effort aimed at improving transparency in everyday transactions.
Helping residents reduce risk
Lutfi said the bureau’s mission is to make data easier to use so individuals and businesses can make smarter decisions.
“Our goal is to give people the information and tools they need to manage risk effectively,” he said.
The peer-to-peer verification tool is expected to reduce disputes, strengthen trust, and cut dependence on cheques in short-term rentals, private leases, and freelance arrangements.
