Etihad Credit Bureau has introduced Credit Score 3i, an enhanced credit scoring model aimed at providing a more detailed evaluation of individuals' credit behaviour in the United Arab Emirates. Officially launched in 2026, the new model extends the review period of credit history from 24 to 36 months, enabling a broader view of borrowers’ repayment patterns and financial responsibilities.
Credit Score 3i expands eligibility to include residents who are new to credit or new to the UAE and have limited credit histories. It features two distinct scoring ranges: 300–850 for those with established credit histories and 300–650 for individuals with limited credit exposure. The model is designed to reflect improvements in credit behaviour within six months of settling defaults, provided the individual maintains good repayment conduct. However, the bureau emphasized that score improvements during this period are not guaranteed and may be hampered by new missed payments or defaults.
Marwan Ahmad Lutfi, Director General of Etihad Credit Bureau, stated that the model "advances the use of data and analytics to support more comprehensive credit risk assessments, strengthen financial sector efficiency and encourage responsible credit practices." He described Credit Score 3i as a potential “game changer” for the industry, highlighting its tailored design based on UAE market demographics and borrowing behaviour rather than adopting an international scoring template.
The model also offers greater transparency by providing individuals with explanations for factors positively or negatively impacting their credit scores, accessible via the bureau’s website and mobile application after verification and any applicable fees. This feature seeks to empower consumers to better understand and manage their credit profiles without needing to contact the bureau directly.
In addition to launching Credit Score 3i, Etihad Credit Bureau has broadened its credit reporting to incorporate buy-now-pay-later accounts and other short-term credit products, such as those offered by services including Tabby, Tamara, and Cash Now. However, the bureau clarified that information from these accounts is currently recorded in credit reports but is not factored into Credit Score 3i calculations.
As of September 2026, Etihad Credit Bureau’s database encompassed approximately 11.6 million individuals and businesses, with 20.2 million active credit contracts and 25.3 million active International Bank Account Numbers. While the credit score remains a significant component of lenders’ evaluations for personal loans, mortgages, and credit cards, banks and financial institutions continue to use their own credit and repayment criteria, including assessments of income, existing debts, and repayment capacity.