Credit intelligence
Savvy
Most people meet the UAE credit system for the first time on the day they get turned down for something.
The problem
A large share of UAE residents are expats encountering this credit system from scratch, with no history and no intuition for how it behaves. The official report you can request is written for lenders — pages of account codes and status flags that tell you almost nothing about what to actually do.
Meanwhile buy-now-pay-later plans started being reported to the bureaus, so a handful of instalment purchases that felt harmless can quietly take a meaningful bite out of a score. Most people find out when it costs them a mortgage, a car loan or a job.
What we built
Your report, decoded
Upload the official PDF and it is read instantly — your score, every account on your file, and the five factors moving the number, explained in ordinary language instead of banking shorthand.
BNPL Guard
Tracks the buy-now-pay-later plans now visible to the bureaus and shows their estimated drag on your score, so the thing that hurts you quietly stops being invisible.
Dispute Assist
Wrong entries are common and the correction process is opaque. This walks you through the UAE dispute route with templates and tracking, turning a job people abandon into one they finish.
Score Simulator
Model a decision before you commit — a new card, another loan, paying something off — and see the likely effect on your score first rather than afterwards.
How it works
- Request your official credit report and upload the PDF.
- It is decoded on the spot into a score, a factor breakdown and a full account list.
- BNPL plans are surfaced and their impact estimated.
- Simulate upcoming decisions, or open a dispute on anything that is wrong.
At a glance
Want something like this?
We build production software for other people too — this is just what we build for ourselves.
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