Credit Score
A credit score is a numerical rating between 300 and 900 maintained by Al Etihad Credit Bureau representing creditworthiness, derived from payment history, debt levels, and credit behavior, critical for mortgage approval and rate determination.
| Score Ranges | Rating |
| 300-619 | Low, high risk |
| 620-679 | Fair, conditional approval |
| 680-739 | Good, standard approval |
| 740-799 | Very good, favorable terms |
| 800-900 | Excellent, best rates |
| Score Impact Factors | Weight |
| Payment history | 35% |
| Credit utilization | 30% |
| Credit history length | 15% |
| Credit mix | 10% |
| Recent inquiries | 10% |
| Score Improvement Actions | Impact |
| Pay all bills on time | Largest positive effect |
| Reduce credit card balances | Below 30% utilization optimal |
| Avoid new applications | Minimize hard inquiries |
| Maintain old accounts | Lengthens credit history |
| Timeline | 6-12 months for significant improvement |
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