UAE Landlords Can Refuse Tenants Based on Credit History
In the UAE, landlords are not legally required to accept any tenant application. They can decline tenants with poor credit histories, as confirmed by legal experts. This follows the launch of a new tenant screening solution by Etihad Credit Bureau, allowing landlords to access credit scores with tenant consent.
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Landlords in the UAE have the legal right to refuse rental applications from tenants with poor credit histories.
This was clarified by Asma Siddiqui, a Senior Associate at BSA Law, who noted that UAE tenancy laws do not mandate landlords to accept any applicant.
As of May 25, 2026, landlords can decline applications based on low credit scores or other financial risk indicators.
Tenant Screening Solution
The recent introduction of a Tenant Screening solution by Etihad Credit Bureau has enabled private landlords to request prospective tenants' credit scores.
However, this information can only be shared if tenants approve the request via UAE PASS.
Tenants are not legally obligated to disclose their credit scores to landlords, providing them with some control over their financial information.
Legal Framework
Siddiqui emphasized that this new service does not introduce new laws.
It operates within the existing legal framework established by Federal Law No. 6 of 2010 on Credit Information and Cabinet Resolution No. 115 of 2021.
These laws already allow non-financial entities to access credit reports with the individual's consent.
Understanding Credit Scores
A credit score reflects an individual's credit history and ability to meet financial obligations.
A higher score generally leads to quicker approvals for loans and better interest rates.
Factors influencing credit scores include payment history for bills and loans, and the number of loans and credit cards held.
Timely payments can enhance credit scores, while late payments can negatively affect them.
Eviction Considerations
Regarding whether landlords can evict tenants based on declining credit scores, Siddiqui stated that eviction grounds are strictly defined under UAE tenancy laws.
These include non-payment of rent and illegal use of the property, but a change in credit score does not qualify as a valid reason for eviction.
The Etihad Credit Bureau's service is intended solely for pre-contract screening and does not alter existing eviction rights.
Next Steps for Tenants and Landlords
Tenants should be aware of their credit scores and how they may impact rental applications.
The cost for obtaining a credit score is Dh10.5, while a full credit report is priced at Dh84.
As the rental market evolves, both landlords and tenants should stay informed about their rights and obligations under the current legal framework.
