The UAE's federal credit bureau. Provides credit reports and scores used by banks to evaluate mortgage applications. Score range: 300-900.
| Score Range | Rating | Mortgage Approval |
| 300-619 | Low | Unlikely |
| 620-679 | Fair | Possible with conditions |
| 680-739 | Good | Approved, standard rates |
| 740+ | Excellent | Best rates, terms |
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