How to Check Your Credit History in Kazakhstan for Free by IIN
Before taking out a mortgage, refinancing, or simply once a year, it's worth looking at your credit history. In Kazakhstan you can do it for free in a few minutes. Here is where to get your report, how to spot errors, and what affects your score.
Up to date as of October 2026. Rules change, so check the regulator's website before taking action.
Credit bureaus and banks are supervised by ARDFM, the Agency for Regulation and Development of the Financial Market (finreg.kz). The rules are set by the law "On Credit Bureaus and the Formation of Credit Histories."
Credit bureaus in Kazakhstan
| Bureau | What it is | Who reports data |
|---|---|---|
| State Credit Bureau (SCB) | A subsidiary of the National Bank | Mandatory: banks, microfinance organizations (MFOs), pawnshops, debt collectors, telecom and utility companies |
| First Credit Bureau (FCB, 1cb.kz) | A private bureau that calculates a personal credit score | Voluntary |
A credit history is kept for 5 years from the date the bureau last received information about you.
Where to get your report
- Free once a year: one personal report per calendar year — through the FCB website or app, and also through the SCB.
- eGov.kz and eGov Mobile: the "Credit and Insurance History Guide" service. On eGov.kz the report is paid (the price is shown in the service) and is ready in about 15 minutes.
- In person: a Public Service Center (TsON), Kazpost, or an FCB office.
A second request in the same year is paid. Log in only through official website addresses, never through links in messages.
What to check in the report
- Are all the loans yours? An unfamiliar loan or microloan is a reason to act right away.
- Are repaid loans marked as closed? Sometimes a paid-off loan still shows up as active.
- Late payments. Check that the dates and amounts match your actual payments.
- Debts with collectors. A debt handed over to a collector seriously damages your score.
How to dispute an error
First, contact the bank or MFO that reported the data, and bring receipts and statements. There are also free dispute options: on eGov, if you got the report there and no more than 15 business days have passed since then, and on the FCB website for its own data. Disputes are reviewed within 15 business days. If scammers took out a loan in your name, ARDFM advises contacting the lender, requesting copies of the contract and documents, filing a police report, and, if you're refused, filing a complaint with ARDFM or a lawsuit.
Credit score: what affects it
The FCB calculates a personal credit score on a scale of up to 1,000 points. According to FCB data for 2023, a score above 650 is the "green zone," and the average was 560; different sources give slightly different thresholds. More on the term in our glossary: credit score.
- Pay on time. Late payments are the biggest negative.
- Keep fewer active loans. Close small loans and credit cards you don't use.
- Don't borrow "to build your score." It adds debt load and the risk of a new late payment.
- Watch your debt load. Payments on all your loans can't exceed 50% of your income (the debt-to-income ratio), or the bank will turn you down.
- Turn on alerts. The "Credit History Monitoring" service on eGov or at the FCB notifies you about new loans and late payments.
To avoid living on credit, start with a cushion of 3–6 months of expenses — see emergency fund.
Risks to watch for
- "We'll clean up your credit history for a fee." Nobody can remove a genuine late payment. Only an error can be corrected, and that's free.
- Calls saying "someone is taking out a loan in your name." In 2026, a scheme involving "EDS renewal" and a "safe account" cost one resident of the North Kazakhstan Region 4 million tenge. eGov and Public Service Center staff never call you or ask you to transfer money.
- Loans taken out in your name by others. Protect yourself with the "voluntary refusal of loans" option on eGov or eGov Mobile, under "Taxes and Finance." As of March 2026, 5.1 million people had used it. The ban doesn't cover pawnshops that don't check credit bureaus.
More scams are covered in the lesson "How Not to Fall for Scammers".
Aspiro Invest is a medium-term portfolio: what to hold, when to review it, and where the protective levels are.
- One report a year is free through the FCB or SCB.
- Your history is kept for 5 years from the latest data about you.
- Only errors can be corrected — through the lender or a free dispute.
- The eGov "loan ban" protects you from loans taken out by scammers.
Frequently asked questions
How can I check my credit history in Kazakhstan for free?
Once per calendar year you can get your personal credit report for free — through the website or app of the First Credit Bureau (1cb.kz) or through the State Credit Bureau. Additional requests in the same year are paid.
How long is a credit history kept?
Five years from the date the credit bureau last received information about you.
Can a late payment be removed from my credit history?
If the late payment really happened, no. Only an error can be removed or corrected: through the bank or MFO with supporting documents, or through a free dispute on eGov or the FCB website.
Does the "loan ban" affect approval?
While the ban is active, banks and MFOs are required to refuse you loans. You can lift it at any time on eGov.
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