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ArticlesPayment history is the record of whether you have met scheduled financial obligations on time. In the UAE, Etihad Credit Bureau includes a 36-month payment history for loans, credit cards and other reported obligations in an individual Credit Report. It can show a pattern of on-time, delayed or missed payments and is one of the indicators financial institutions may consider when assessing creditworthiness.
What does payment history include?
Payment history can cover repayment behaviour on credit facilities and reported service obligations. The exact information depends on what data providers report to Etihad Credit Bureau and what appears on the individual Credit Report.
- Scheduled loan or finance payments.
- Credit card repayment behaviour.
- Reported telecom and utility obligations.
- Missed or delayed payments where reported.
- The status of active and closed facilities within the report period.
How far back does an Etihad Credit Bureau Credit Report show payment history?
Etihad Credit Bureau states that its individual Credit Report includes a record of loan and bill payments for the last 36 months. The report is designed to give consumers a current view of recent repayment behaviour rather than an unlimited lifetime history.
Why does payment history matter?
Repayment behaviour helps a lender understand how consistently a customer has met previous financial obligations. CBUAE responsible-financing standards require licensed financial institutions to examine a consumer’s credit record and past credit behaviour before granting credit.
Payment history is not the only factor in a credit decision. Income, existing obligations, affordability, Debt Burden Ratio, the requested product and the lender’s own credit policy can also matter.
Example: two different repayment patterns
| Pattern | What it may indicate |
|---|---|
| 12 payments made by their due dates | A consistent recent repayment pattern. |
| Several payments made late | A less consistent payment pattern that may be visible in the credit record. |
| A single historic late payment followed by regular payments | Recent improvement may be visible, but the lender decides how to assess the overall record. |
Does one missed payment automatically mean a loan or credit-card application will be rejected?
No. There is no universal rule that one late or missed payment automatically causes rejection. Banks and finance companies use their own underwriting criteria and assess the overall application. However, repeated missed payments can make a credit profile less reassuring to a lender.
How can you review your own payment history?
You can obtain your Credit Report directly from Etihad Credit Bureau. Review the reported facilities and payment history carefully. If you believe information is inaccurate, use Etihad Credit Bureau’s official Data Correction process rather than asking FinShark to amend the record.
Frequently asked questions
How many months of payment history are shown in an Etihad Credit Bureau Credit Report?
Etihad Credit Bureau currently states that payment history covers the last 36 months.
Can utility or telecom payments appear in the report?
Etihad Credit Bureau states that Credit Reports can include financial obligations and bills reported by participating data providers, including telecom and utility providers.
Does paying on time guarantee a high Credit Score?
No. Payment behaviour matters, but Credit Score calculations consider multiple elements of the credit profile.
Can FinShark change my payment history?
No. FinShark cannot amend Etihad Credit Bureau records. Use the Bureau’s official Data Correction process if you believe information is wrong.
Does a lender look only at payment history?
No. Lenders consider the wider credit record, affordability, income, existing obligations and their own underwriting criteria.