How can I check my credit history and outstanding debts?
Log in to the Azerbaijan Credit Bureau's website or mobile app with ASAN Login / ASAN Imza and get your credit report immediately: one report a year is free, additional ones are paid. The report shows all active and closed loans, card limits, delinquencies, guarantees and banks' recent inquiries. Checking yourself does not count as an inquiry and does not affect your rating.
Looking at your report before applying is the best ten minutes you can spend: you see in advance what the bank will see. Reports often contain surprises: a forgotten card limit, a loan you thought was closed still showing as active, an unknown inquiry in your name. Any of these can cause a rejection and most are fixed within days. Below we explain how to get the report, what to look for and how to dispute an error.
What you need
- 1 ASAN Login (ID card details + mobile number) or ASAN Imza
- 2 The Credit Bureau's official website or app (official domain only)
- 3 One free report a year; a small fee for additional reports
- 4 If an error is found: a dispute application (the bureau gets the bank's reply within 10–15 days)
Bank offers that fit this case
| Bank | Loan | Rate | Term | |
|---|---|---|---|---|
Rabitəbank
|
Nağd Pul Krediti | 10.5% | 48 mo. | Details |
Yelo Bank
|
İstehlak Krediti | 8.9% | 59 mo. | Details |
Unibank
|
Nağd Kredit | 9% | 60 mo. | Details |
|
Yelo Bank
|
Onlayn Kredit | 8.9% | 59 mo. | Details |
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ASB Bank
|
İstehlak krediti | 13% | 36 mo. | Details |
Mbulak BOKT
|
Ailə Krediti | 23%% | 18 ayadək mo. | Details |
Yapı Kredi Bank
|
İT və Telekommunikasiya krediti | 13% -dən başlayaraq% | 59 ayadək mo. | Details |
|
ASB Bank
|
Girovlu Ehtiyac Krediti | 13% | 36 mo. | Details |
Sample calculation
Estimated figures for 2 000 AZN over 18 months at ~8.9% effective rate. The exact number depends on the bank.
How to apply?
What to watch for?
- ✓ Check the "inquiries" section: a bank inquiry you did not make may be an attempt to take a loan in your name; report it to the bank and the police immediately.
- ✓ If a loan you closed still shows as active after a month, get a "no debt" certificate from the bank and send it to the bureau.
- ✓ Close credit cards you do not use: an open limit counts toward your debt burden.
- ✓ Save the report as a PDF; if a bank rejects you later, you can compare what changed.
Frequently asked questions
Where is my credit score shown?
The Credit Bureau's report includes a scoring value and its explanation. Banks also apply their own internal scoring, so a high score is not a guarantee of approval.
How is an error in the report corrected?
You file a dispute on the bureau's website; the bureau queries the reporting bank, which confirms or corrects within 10–15 days. Attach supporting documents (certificate, receipt).
Can I check someone else's history?
Only with their written consent (for example before acting as guarantor). Checking without consent is prohibited by law.
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