Guides / Money & banking / Loans, cards & debt
Your Qatar Credit Bureau report: getting it, reading it and fixing errors
How to get your own report from the Qatar Credit Bureau through its app, website or office, what each section means, how the 300 to 850 credit score works, how to dispute a mistake, and how to clean up your record after paying a debt or before leaving Qatar.
Last reviewed: 13 October 2026
- Where
- Qatar Credit Bureau app, cb.gov.qa e-services, or its customer service desk
- Login
- Tawtheeq (NAS) account linked to your QID
- Credit score
- 300 to 850; 741 and above is 'Excellent'
- Bounced cheques
- Stay on the report 3 years after the cheque is settled
The Qatar Credit Bureau keeps a record of how you use credit in Qatar: your loans, credit cards, car finance, some phone contracts, and any bounced cheques. Banks and other lenders read this report, with your consent, before they decide whether to lend to you, so a mistake or a forgotten unpaid balance can cost you a loan or a card. Anyone with a Qatar ID can get their own report in a few minutes through the Credit Bureau app or website, using their Tawtheeq (National Authentication System, NAS) login. This guide is for residents who want to check their record before applying for finance, fix something that looks wrong, or tidy up their history before they leave Qatar. Follow it in order: set up your login, get the report, read it section by section, then dispute errors and clear old debts. For loan limits and how to borrow, see the personal loans and credit cards guide; for cheque cases, see the bounced cheques guide.
Before you start
- Your valid Qatar ID (QID) and the mobile number registered to it, for one-time passwords
- An active Tawtheeq (NAS) account; set it up first if you have never used it
- The Qatar Credit Bureau app (iPhone or Android), or a computer to use the e-services portal at cb.gov.qa
- A credit or debit card (or Apple Pay in the iPhone app) to pay the report fee, which is shown before you pay
- A list of every loan, credit card, car finance, instalment plan and postpaid phone line you have now or had in the last two years, so you can spot anything you do not recognise
- Clearance, settlement or 'no liability' letters from any lender you have paid off, to attach to a dispute
- Copies of receipts, bank transfers or court settlement papers for any bounced cheque you have settled
- If someone else will collect the report for you at the office: a signed authorisation letter in the Credit Bureau's own form, plus your QID copy and theirs
Step by step
Know what the Credit Bureau does
The Qatar Credit Bureau was set up by the Qatar Central Bank (QCB) and has operated since 2011. Banks, finance companies, car companies, telecom companies and other members (32 sectors, according to the bureau) send it data on the credit they give you and how you repay it. The bureau only stores and reports this information. It does not approve or refuse loans, and it does not keep a 'blacklist': each lender reads your report and makes its own decision. It also has nothing to do with travel bans, which come from courts.
Read guide: Personal loans and credit cards in Qatar: rules, limits and travel bans →Set up your Tawtheeq login
All of the bureau's online services sit behind Tawtheeq, Qatar's National Authentication System (NAS). It is the same login used for many government websites, and it is tied to your QID and mobile number. If you have never used it, register first and check that you can receive the one-time password (OTP) on your phone. Once it works, you can log in to the Credit Bureau app and website. The app also lets you switch on biometric login so you do not need an OTP every time.
Read guide: Tawtheeq (National Authentication System): signing up and logging in →Open the app or the e-services portal
Download 'Qatar Credit Bureau' from the App Store or Google Play (the official app is published by Qatar Credit Bureau and works in Arabic and English), or go to cb.gov.qa and choose the e-services portal. Log in with Tawtheeq. From the main menu you can request a credit report, a bounced cheque report, file a dispute, answer consent requests and see your inquiry history. Ignore websites or social media accounts that offer to 'check your Qatar credit score' for you: only the bureau itself issues these reports.
Request and pay for your report
Choose the individual (consumer) credit report, pick a reason for the request when asked, and pay by card. The fee is shown on screen before you pay; the bureau does not publish it on its website. The report is issued straight away and you can download it as a PDF and keep it. If you prefer, you can go in person to the Credit Bureau customer service desk at Al Wahda Tower, Fasht Al Nouf Street, Onaiza (Sunday to Thursday, 8 am to 1 pm, call centre 4422 2244) with your QID. Free reports are only for licensed charities, licensed educational institutions and humanitarian cases with proof, and they must be requested in person.
Check your personal details first
The first part of the report lists your name, gender, date of birth, nationality, ID details, contact details, addresses and employment history. Check that the QID number and name match yours, and that the employers listed are ones you really worked for. A wrong date of birth or a mixed-up name can mean someone else's data has been attached to your file, which is worth disputing straight away. Old phone numbers and addresses are normal and not a problem in themselves.
Read your open and closed facilities
A 'facility' is any credit you have been given: a personal loan, credit card, car loan, overdraft or similar. The report shows a summary of open facilities, a summary of closed ones, and a month-by-month history for the last 24 months. For each one, check the lender, the limit or original amount, the current balance, and whether any month shows a payment as late or overdue. A credit card you no longer use still counts as open, with its full limit, until you ask the bank to close it. Anything you do not recognise, or a loan you paid off that still shows a balance, is a reason to dispute.
Check bounced cheques and who has looked
The report lists any dishonoured (bounced) cheques with the date, cheque number, amount, return date, account and the bank that reported it, plus the settlement date once paid. Until a bounced cheque is settled, banks will not give you a new chequebook. The report also lists every member institution that pulled your report in the last 12 months, and your own inquiries in the same period, shown separately. An inquiry from a lender you never applied to is a warning sign; raise it with the bureau and that lender. If a bounced cheque is the problem, the bounced cheques guide explains how to settle it and close any case.
Read guide: Bounced cheques in Qatar: what happens and how to settle →Understand the credit score
The bureau has a scoring model that rates people from 300 to 850, where a higher score means lower risk. Its bands are Excellent (741 to 850), Good (631 to 740), Fair (521 to 630), Poor (411 to 520) and Very poor (350 to 410). The bureau says the score is built from payment history (31%), outstanding debt (30%), bounced cheques (13%), length of credit history (10%), mix of credit (7%), age compared with others (7%) and new credit and recent inquiries (2%). Lenders use the score alongside the full report. So the quickest ways to improve it are paying every instalment on time, keeping card balances low and never letting a cheque bounce.
Dispute anything that is wrong
In the app or on the website, open the disputes (complaints) section, choose the item that is wrong, explain the problem in a few clear sentences and attach your evidence, such as a clearance letter or payment receipt. You can also file at the customer service desk. The bureau's code of conduct says to object within 30 working days of receiving the report, so do not wait. The bureau checks with the lender that sent the data, and the lender has 5 working days to reply. While the dispute is open, any report issued about you carries a note that the item is under investigation. Follow the dispute's status in the app, and contact the lender's customer service too, because only the lender can change its data.
Clear old debts and get the record updated
If you have an overdue card, loan or unpaid postpaid bill, talk to the lender before it grows: ask for a settlement amount or a repayment plan in writing. Once you have paid, ask for a clearance or 'no liability' letter that says the account is closed with nothing owed. Lenders report updates to the bureau, so pull a fresh report a few weeks later and check that the item shows as closed or paid; if it does not, dispute it and attach the letter. Paying does not erase the history: the late months stay in the 24-month history, and a settled bounced cheque stays for 3 years from the settlement date. The bureau does not publish a fixed period for other records.
Read guide: Personal loans and credit cards in Qatar: rules, limits and travel bans →Control who can see your report
Lenders and other members can only pull your report with your prior consent. When one asks, you get an SMS with the company's name and a request code: reply 'Y' followed by a space and the code to approve, or 'N' and the code to refuse. You can also approve or refuse in the app or on the website under Consents. Only approve requests from companies you have actually applied to. If someone asks you to show your report, for example a lender abroad, you can give them the PDF: each report has a QR code that lets them confirm through the bureau's verification service that it is genuine and unchanged.
Use it before a loan and before you leave Qatar
Check your own report a few weeks before applying for a personal loan, car loan or credit card, so you can fix mistakes before the bank sees them. Before you leave Qatar for good, pay off or settle every loan and card, close the cards in writing, collect clearance letters, then download a final report showing everything closed. Do this while your QID and Tawtheeq login still work, because online access depends on them. Keep the PDF and the letters: they are your proof if a debt question comes up later, and a lender abroad may accept a verifiable Qatar report as evidence of your history.
Read guide: Leaving Qatar for good: a step-by-step exit checklist →
What it costs
| Qatar Credit Bureau app download | Free |
| Credit report for licensed charities, licensed educational institutions and humanitarian cases (in person, with proof) | Free |
Official fees at the time of review. Fees change, so confirm before paying.
Common mistakes
- Waiting until the bank refuses your loan before looking at your own report
- Paying off a loan or card but never asking for a clearance letter, so you have no proof when the report is not updated
- Leaving old credit cards open 'just in case', so their full limits count against you as open credit
- Approving an SMS consent request from a company you never applied to
- Missing the 30-working-day window to object after you receive the report
- Paying third-party websites that claim to check your Qatar credit score
- Leaving Qatar without downloading a final report while your QID and Tawtheeq login still work
Questions people ask
How much does a Qatar Credit Bureau report cost, and can I get it free?
The app is free, but the report itself is a paid service paid by card through the app or website. The fee is shown before you pay; the bureau does not list it on its website. Free reports are only given to licensed charities, licensed educational institutions and humanitarian cases with proof, in person at the customer service desk.
Is there a credit score in Qatar, and how can I see mine?
Yes. The bureau's scoring model runs from 300 to 850, with 741 and above rated Excellent and 410 and below rated Very poor. Payment history and outstanding debt make up more than 60% of it. Request your report through the app or cb.gov.qa to see what lenders see, and avoid outside sites claiming to show your score.
I paid off my loan, but my report still shows it as open. What should I do?
First ask the bank for a clearance or 'no liability' letter and ask it to update the bureau. If the report is still wrong after a few weeks, file a dispute in the app or on the website and attach the letter. The bureau checks with the bank, which must reply within 5 working days under the bureau's code.
How long does a bad record stay on my Qatar credit report?
A bounced cheque stays for 3 years from the date it was settled, and is shown as 'paid' once settled. The report also shows a 24-month payment history for each loan or card, so late payments remain visible within that window even after you catch up. The bureau does not publish a fixed retention period for other records.
Can my employer or landlord check my credit report?
Reports go to member institutions, such as banks, finance and car companies and telecom firms, and only with your prior consent by SMS, app or website. Members may use the data only for set purposes, such as assessing a credit application. If anyone else asks, you decide whether to share your own PDF, which they can verify with its QR code.
Does checking my own report lower my score?
Your own requests are listed separately from inquiries made by lenders. The bureau says 'new credit and recent inquiries' counts for only 2% of its score and does not say that checking your own report counts against you. Checking before you apply is the sensible way to avoid surprises.
Can the Credit Bureau stop me from travelling or put me on a blacklist?
No. The bureau only records and reports information; lenders make their own decisions and courts issue travel bans. An unpaid debt or bounced cheque on your report can still lead a lender to court, which is how a travel ban can follow, so settle debts before you travel or leave. You can check for a ban yourself before you go.
Can I get my Qatar credit report after I leave Qatar?
Online access depends on a working Tawtheeq login, which is tied to your QID, so it may stop once your residency is cancelled. Download a final report before you leave and keep your clearance letters. If you need one later, contact the bureau's call centre on +974 4422 2244 to ask what it will accept.
Official sources
- Qatar Credit Bureau: Individual credit history report ↗
- Qatar Credit Bureau: E-services (Tawtheeq login, card payment, disputes) ↗
- Qatar Credit Bureau: Credit scoring (300 to 850 bands and factors) ↗
- Qatar Credit Bureau: Bounced cheque report and 3-year retention ↗
- Qatar Credit Bureau: Electronic consent service (SMS, app, website) ↗
- Qatar Credit Bureau: Code of conduct and bylaws (disputes, 30 working days) ↗
Always check the official source before acting. QatarSteps is independent and not a government website.