How to Check Your Credit History in Uzbekistan and Improve It
A bank checks your credit history before every loan, installment plan and card. Here is where to get a free report in Uzbekistan, what to look for in it, how to fix an error and how to protect yourself from loans taken out in your name.
Up to date as of October 2026. Rules change — check the regulator's website before you act.
Who keeps credit histories
Credit bureaus are licensed and supervised by the Central Bank of the Republic of Uzbekistan (website cbu.uz) — this is set by the law “On the Exchange of Credit Information” (ZRU-301). The main bureau is the Credit Information Analytical Center (KATM), website infokredit.uz. Data is sent to the bureau by banks, microfinance organizations and other lenders.
Your rights under the law
| What | What the law says |
|---|---|
| Your own report | Free once a year |
| Data retention period | 5 years |
| Bank access to your history | Only with your written or electronic consent |
| Errors | You can demand a correction from the lender and an explanation from the bureau |
| Self-ban on loans | Free, since June 6, 2025 |
How to check your credit history
- Via my.gov.uz. Sign in with OneID or MyID, find the service “Obtaining a credit history,” fill in the form, confirm your phone number and submit. A link to the report arrives by SMS and in your personal account.
- In the credit bureau's personal account on infokredit.uz or in its app.
- In person or by mail. The bureau's office is in Tashkent, 1 Koratosh Street. By mail you need a copy of your passport, an application and a notarized signature.
The first report of the year is free by law; repeat reports may be charged — check the current fee on my.gov.uz.
What to look for in the report
- List of loans and installment plans — make sure there are none you didn't take out.
- Late payments and penalties — check that the dates match reality.
- Applications and rejections. Many applications in a row lower your chances of approval.
- Credit score. According to banks, KATM uses a 0–500 scale, and most banks approve applications from 250–300 points.
Found an error? First write to the bank or microfinance organization that reported the data: it is obliged to correct it. At the same time, contact the bureau. The law doesn't set a response deadline, so keep copies of your requests.
How to improve your credit history
- Pay on time. According to banks, a payment shows up in the database within a few business days, but a noticeable rise in your score takes months.
- Keep your debt burden below 50%. Since January 1, 2025, banks don't issue a loan if all your payments exceed 50% of your income.
- Don't take out microloans one after another and don't apply to every bank at once.
- A small loan or installment plan repaid without delays builds a positive history.
The best way not to depend on loans is an emergency fund. Where to start: read how to save for investing and deposits in Uzbekistan 2026.
What you risk
- Loans in your name. Scammers take out online loans using stolen data. A self-ban on my.gov.uz blocks this — in July 2026 more than 2.5 million people were using it.
- If a loan has already been taken out. Since 2026, if an investigator or court has recognized you as a victim, the lender must suspend collection and interest charges and return any withheld money within 15 days.
- “We'll clean your credit history for a fee.” Accurate data cannot be deleted — it is kept for 5 years. Such services are fraud.
- Handing your card or SIM card to others. “Money mules” face administrative and criminal liability, and their credit history is damaged for a long time.
How to spot a scam is covered in the free lesson how to avoid scammers.
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- One report a year is free via the KATM bureau or my.gov.uz.
- Data is kept for 5 years; only errors can be corrected.
- The self-ban on loans is free and can be lifted at any time.
- A debt burden above 50% almost certainly means a rejection.
Frequently asked questions
How can I check my credit history in Uzbekistan for free?
Under the law “On the Exchange of Credit Information,” a credit bureau gives you one report a year for free. You can request it in the credit bureau's personal account on infokredit.uz or via my.gov.uz with OneID/MyID. Repeat requests may be charged.
How long is credit history kept in Uzbekistan?
The credit bureau keeps information for 5 years. Obligations whose due date is more than 5 years old are removed from the credit history.
How do I set a self-ban on loans?
On my.gov.uz, sign in with OneID, find the service “Setting or removing a ban on concluding a loan agreement” and click “Activate.” You can also set the ban at a Public Services Center (TsGU) or with the credit bureau. The service is free, and you can lift the ban at any time.
Can a bad credit history be deleted?
No, if the data is accurate: it is kept for 5 years. Only errors can be corrected — through the bank that reported the data and through the credit bureau. Paid credit history “cleanups” are a sign of scammers.
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