diff --git a/.gitignore b/.gitignore
index 662eb0334e..40022eb066 100644
--- a/.gitignore
+++ b/.gitignore
@@ -1,4 +1,5 @@
 .idea/
+.vscode/
 docs/*.1
 docs/*.rst
 /moactl
diff --git a/cmd/create/cluster/cmd.go b/cmd/create/cluster/cmd.go
index 0dc412c924..535b3d549b 100644
--- a/cmd/create/cluster/cmd.go
+++ b/cmd/create/cluster/cmd.go
@@ -252,6 +252,25 @@ func run(cmd *cobra.Command, _ []string) {
 		reporter.Errorf("Error getting region: %v", err)
 		os.Exit(1)
 	}
+
+	// Create the AWS client:
+	client, err := aws.NewClient().
+		Logger(logger).
+		Region(aws.DefaultRegion).
+		Build()
+	if err != nil {
+		reporter.Errorf("Error creating AWS client: %v", err)
+		os.Exit(1)
+	}
+
+	// Validate AWS credentials for current user
+	reporter.Infof("Validating AWS credentials for CFUser...")
+	if err = client.ValidateCFUserCredentials(); err != nil {
+		reporter.Errorf("Error validating AWS credentials: %v", err)
+		os.Exit(1)
+	}
+	reporter.Infof("AWS credentials are valid!")
+
 	regionList, regionAZ, err := getRegionList(ocmClient, multiAZ)
 	if err != nil {
 		reporter.Errorf(fmt.Sprintf("%s", err))
diff --git a/pkg/aws/client.go b/pkg/aws/client.go
index 5878a12249..81e3af422e 100644
--- a/pkg/aws/client.go
+++ b/pkg/aws/client.go
@@ -58,6 +58,7 @@ const (
 type Client interface {
 	GetRegion() string
 	ValidateCredentials() (bool, error)
+	ValidateCFUserCredentials() error
 	EnsureOsdCcsAdminUser(stackName string) (bool, error)
 	DeleteOsdCcsAdminUser(stackName string) error
 	GetAccessKeyFromStack(stackName string) (*AccessKey, error)
@@ -240,6 +241,45 @@ func (c *awsClient) ValidateCredentials() (bool, error) {
 	return true, nil
 }
 
+// ValidateCFUserCredentials checks if CF-IAM credentials are valid.
+// it gets stack's key and actual key and compares them
+// to get the stack credentials:
+// aws cloudformation describe-stack-resource \
+// --logical-resource-id osdCcsAdminAccessKeys --stack-name osdCcsAdminIAMUser
+func (c *awsClient) ValidateCFUserCredentials() error {
+	name := AdminUserName
+	accessKeyInput := &iam.ListAccessKeysInput{
+		UserName: &name,
+	}
+	accessKeyList, err := c.iamClient.ListAccessKeys(accessKeyInput)
+	if err != nil {
+		return err
+	}
+
+	OsdCcsAdminStackNamePtr := OsdCcsAdminStackName
+	LogicalResourceIDPtr := "osdCcsAdminAccessKeys"
+	stackResourceInput := &cloudformation.DescribeStackResourceInput{
+		StackName:         &OsdCcsAdminStackNamePtr,
+		LogicalResourceId: &LogicalResourceIDPtr,
+	}
+	resources, err := c.cfClient.DescribeStackResource(stackResourceInput)
+	if err != nil {
+		return err
+	}
+	cfAccessKey := resources.StackResourceDetail.PhysicalResourceId
+
+	for _, key := range accessKeyList.AccessKeyMetadata {
+		if *key.AccessKeyId == *cfAccessKey && *key.Status == "Active" {
+			return nil
+		}
+	}
+
+	return fmt.Errorf(
+		"Invalid CloudFormation stack credentials: %s is not valid \n"+
+			"you can recreate the CloudFormation stack with: \n"+
+			"moactl init --delete-stack && moactl init \n", name)
+}
+
 // Ensure osdCcsAdmin IAM user is created
 func (c *awsClient) EnsureOsdCcsAdminUser(stackName string) (bool, error) {
 	// Check already existing cloudformation stack status
diff --git a/pkg/aws/client_test.go b/pkg/aws/client_test.go
index b415e132c2..471933b1fa 100644
--- a/pkg/aws/client_test.go
+++ b/pkg/aws/client_test.go
@@ -3,6 +3,7 @@ package aws_test
 import (
 	"github.com/aws/aws-sdk-go/aws/session"
 	"github.com/aws/aws-sdk-go/service/cloudformation"
+	"github.com/aws/aws-sdk-go/service/iam"
 	"github.com/golang/mock/gomock"
 	. "github.com/onsi/ginkgo"
 	. "github.com/onsi/gomega"
@@ -17,15 +18,17 @@ var _ = Describe("Client", func() {
 		client   aws.Client
 		mockCtrl *gomock.Controller
 
-		mockCfAPI *mocks.MockCloudFormationAPI
+		mockCfAPI  *mocks.MockCloudFormationAPI
+		mockIamAPI *mocks.MockIAMAPI
 	)
 
 	BeforeEach(func() {
 		mockCtrl = gomock.NewController(GinkgoT())
 		mockCfAPI = mocks.NewMockCloudFormationAPI(mockCtrl)
+		mockIamAPI = mocks.NewMockIAMAPI(mockCtrl)
 		client = aws.New(
 			logrus.New(),
-			mocks.NewMockIAMAPI(mockCtrl),
+			mockIamAPI,
 			mocks.NewMockOrganizationsAPI(mockCtrl),
 			mocks.NewMockSTSAPI(mockCtrl),
 			mockCfAPI,
@@ -38,6 +41,59 @@ var _ = Describe("Client", func() {
 		mockCtrl.Finish()
 	})
 
+	Context("ValidateCFUserCredentials", func() {
+		var (
+			CFsecretID      = "sut"
+			IAMAccessKey    = "sut"
+			oddIAMAccessKey = "longtestkey"
+			status          = "Active"
+		)
+		Context("when creds are OK and matches", func() {
+			BeforeEach(func() {
+				mockCfAPI.EXPECT().DescribeStackResource(gomock.Any()).Return(&cloudformation.DescribeStackResourceOutput{
+					StackResourceDetail: &cloudformation.StackResourceDetail{
+						PhysicalResourceId: &CFsecretID,
+					},
+				}, nil)
+
+				mockIamAPI.EXPECT().ListAccessKeys(gomock.Any()).Return(&iam.ListAccessKeysOutput{
+					AccessKeyMetadata: []*iam.AccessKeyMetadata{
+						{
+							AccessKeyId: &IAMAccessKey,
+							Status:      &status,
+						},
+					},
+				}, nil)
+			})
+			It("should finish successfully and return nil", func() {
+				err := client.ValidateCFUserCredentials()
+				Expect(err).To(BeNil())
+			})
+		})
+
+		Context("when the credentials don't match", func() {
+			BeforeEach(func() {
+				mockCfAPI.EXPECT().DescribeStackResource(gomock.Any()).Return(&cloudformation.DescribeStackResourceOutput{
+					StackResourceDetail: &cloudformation.StackResourceDetail{
+						PhysicalResourceId: &CFsecretID,
+					},
+				}, nil)
+
+				mockIamAPI.EXPECT().ListAccessKeys(gomock.Any()).Return(&iam.ListAccessKeysOutput{
+					AccessKeyMetadata: []*iam.AccessKeyMetadata{
+						{
+							AccessKeyId: &oddIAMAccessKey,
+						},
+					},
+				}, nil)
+			})
+			It("should return err", func() {
+				err := client.ValidateCFUserCredentials()
+				Expect(err.Error()).Should(ContainSubstring("Invalid CloudFormation stack credentials"))
+			})
+		})
+
+	})
 	Context("EnsureOsdCcsAdminUser", func() {
 		var (
 			stackName   string