Dubai: Landlords Can Now Request to Check Credit Scores of Prospective Tenants

Dubai has introduced a new Tenant Screening service, allowing landlords to request the credit scores of prospective tenants—but only with explicit consent. Launched by the Etihad Credit Bureau in collaboration with Digital Dubai, UAE Pass, and the Telecommunications and Digital Government Regulatory Authority, the service is part of a broader digital push to enhance stability in the UAE’s property market.

How It Works

• Landlords can submit a credit score request via the Etihad Credit Bureau’s mobile app.
• Prospective tenants receive a notification through UAE Pass and must actively consent before any data is shared.
• Participation is voluntary—tenants can decline the request, though the platform does not specify potential consequences for refusal.

A Step Toward Transparency

The initiative marks the first formal integration of credit data into the UAE’s residential leasing process, aligning with international best practices seen in markets like the UK, US, Australia, and Canada. Property professionals highlight its potential to:

• Reduce risk for landlords by assessing financial reliability.
• Support informed leasing decisions based on credit history, employment status, and rental conduct.
• Encourage responsible financial behavior among tenants, such as timely rent payments and accurate credit profile maintenance.

Balancing Privacy and Due Diligence

While the system is broadly welcomed, experts emphasize the need for fair and responsible use of credit data. Landlords are encouraged to consider context beyond just the credit score, ensuring a balanced and equitable process for both parties.

For tenants, maintaining a strong payment history and ensuring accurate credit information will become increasingly important as this initiative takes hold.

This move reflects Dubai’s ongoing efforts to institutionalize and modernize its real estate sector, fostering greater transparency and trust in the leasing market.