How can you raise your credit score?
Review your reports, manage borrowing consistently, correct inaccurate records, and avoid unnecessary applications.
Short answer
Start by checking your Turkey Banks Association Risk Center Report through the e-Government Gateway, then review your Credit Score and Risk Report in Findeks. Report inaccurate information to the bank or finance company that submitted it, pay debts before their due dates, keep card usage manageable, and avoid repeated applications for unnecessary credit.
What you need
Step by step
Review your risk report
Sign in to the e-Government Gateway and search for “Turkey Banks Association Risk Center Report Application.” Select “New Application” and follow the report-viewing steps to check your loans, cards, and payment records. This helps you confirm whether the information reported by financial institutions is accurate.
Check your credit score
Open the “Credit Score” and “Risk Report” sections on the Findeks website or mobile app. Review balances, payment history, and open accounts together rather than focusing only on the score. The underlying records can show which habits need attention.
Correct inaccurate records
If a report includes an account that is not yours, a closed account shown as open, or a payment reported incorrectly, contact the bank or finance company that submitted the information. Use its “Customer Contact Center,” “Dispute,” or “Application Tracking” channel, and attach receipts, statements, or closure documents. Let the institution verify and update the record.
Pay on time
Use your banking app’s “Payments,” “Bills and Institution Payments,” or “Automatic Payment Instruction” menus to monitor recurring obligations. Pay loan, credit card, and overdraft balances before their due dates whenever possible. Consistent payments help reduce the risk of new late-payment records.
Balance card usage
Regularly review the “My Cards,” “Card Limits,” and “Statement Balance” screens in your banking app. Avoid keeping your available limit constantly near its maximum, spend only what you can repay, and do not delay the statement balance. These habits support more stable debt management.
Limit new applications
If you do not need additional borrowing, avoid submitting repeated requests through “Loan Application” or “Credit Card Application” screens. Consider your income and current debts before making each decision. Unnecessary applications may lead to frequent reviews of your financial profile.
Monitor your reports again
After maintaining regular payments and managing debt, check the “Credit Score” and “Risk Report” sections in Findeks again. Updates depend on the reporting and verification processes of the relevant institutions. If a change does not appear, contact the reporting institution first and Findeks support if necessary.
Tips
Watch out
A credit score cannot be guaranteed or increased through a quick fix or a paid service. Correcting records, reflecting payments, and changing the score depend on verification by the relevant bank, finance company, Findeks, and Risk Center. Use official channels and do not share personal information with unverified third parties.
Frequently asked questions
+Why does a credit score decrease?
Late payments, a high debt burden, consistently heavy limit usage, and frequent credit applications can hurt a credit score. Review your Findeks “Risk Report” together with the Turkey Banks Association Risk Center Report to identify the specific records involved.
+Will my credit score rise immediately after I pay regularly?
There is no guarantee of an immediate increase. Scores reflect payment behavior and other financial records after institutions report and evaluate them, so continue paying consistently and monitor updates through Findeks.
+How do I dispute an inaccurate credit record?
Contact the bank or finance company that reported the record through its “Dispute,” “Customer Contact Center,” or “Application Tracking” channel. Include receipts and supporting documents, then wait for the institution to complete its verification process.
+Does lowering my credit card limit increase my score?
Changing the limit alone does not guarantee a higher score. The important factors are using a limit that fits your income, paying balances regularly, and avoiding late payments.
Sources and verification
Last verified: September 23, 2026. tell us.
This content is for information only; for official procedures the relevant institution’s current announcements take precedence. Details: disclaimer.