Emcredit is the UAE’s pioneer information services company formed in January 2006 in accordance with the directive of His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the UAE and Ruler of Dubai. 

Emcredit provides enterprise and credit information solutions, offering credit information reports, data verification, data enrichment, decision support analytics and other tools necessary to improve customer acquisition, assessment, servicing, debt collection and portfolio management.  We provide a range of comprehensive, accurate and timely information solutions such as credit bureau services, cheque-honouring reports, business background reports and other risk assessment tools.

Emcredit’s decision support tools enable private and public entities to gain a greater perspective into the risk profiles of individuals and companies, thereby empowering them to make more informed business decisions. 

We collect, collate and disseminate credit-related information from multiple sources including government departments, financial institutions, businesses and consumers. This includes the credit history and identification of individuals and companies registered in the UAE.  We use stringent procedures to ensure that the data is relevant, accurate and up-to-date. All our data is managed and processed in a way that ensures the utmost protection and integrity.

The company has a rich database encompassing individuals and companies in the UAE, including 5.6 million consumer identification records, payment behaviour information on consumer and commercial borrowers and 35 per cent of mortgage data in the UAE. It has established data-sharing agreements with several government departments, to power its information solutions. These government entities include Dubai e-Government, Dubai Police, Department of Economic Development (DED), Dubai Land Department and its subsidiary, the Real Estate Regulatory Agency.

Emcredit is registered as a private entity and is based in the Dubai International Financial Centre (DIFC), which is regulated by the Dubai Financial Services Authority (DFSA). Emcredit operates in line with the DIFC’s Data Protection Law.

• Managing risk - We help protect clients against unnecessary risk exposure by providing access to more complete information about a prospective borrower’s financial status.
• Improving efficiency  - We reduce the cost and turnaround time for credit evaluations and decisions.
• Market penetration - We make it easier for clients to penetrate under-exploited markets by improving the way they evaluate risk and acquire new customers.
• Risk Premium pricing - We enable clients to create premium credit pricing through better evaluation of risk.
• Reassurance - We protect borrowers against financial mismanagement and offer international standards of data integrity and security.

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