How do you get a credit risk report through e-Devlet?
Pull the Risk Centre report that shows your loan and credit card history on e-Devlet, then read it line by line.
Short answer
Sign in at turkiye.gov.tr with your e-Devlet password, type "Risk Raporu" in the search box and open the report service listed under the Banks Association of Turkey Risk Centre. Approve the disclosure text, generate the report and save it as a PDF. It shows your loans, card limits and balances, late payments, legal follow-up records and cheque history.
What you need
Step by step
Sign in to e-Devlet
Open turkiye.gov.tr in your browser and press "Giriş Yap" at the top right. On the login page pick one of the methods: "e-Devlet Şifresi", "Mobil İmza", "e-İmza", "T.C. Kimlik Kartı" or "İnternet Bankacılığı". Enter your ID number and password to start the session.
Find the risk report service
Type "Risk Raporu" in the search box at the top of the page. From the results, choose the report service that lists the Banks Association of Turkey Risk Centre as the providing institution. Tap the star icon on the service page to save it to your favourites for next time.
Approve the disclosure text
The service page shows a data processing notice and consent text. The report will not be generated until you read it and tick the approval box. This consent only allows the query to run; it does not share your report with banks.
Generate and download the report
Press "Sorgula" or "Rapor Oluştur" and wait while the report is prepared. Once ready it appears on screen, and you can save it as a PDF with "İndir" or "Yazdır". Look for the file in your phone's downloads folder or under "Belgelerim" on e-Devlet.
Read the loan and card section
The loan section lists the bank name, loan type, account status, remaining balance and payment status for each loan. The credit card section shows your card limit, the balance in use and any missed minimum payments. Note down any account that does not look like yours.
Check late payment, follow-up and cheque records
Overdue payments, accounts under legal follow-up, bounced cheques and protested promissory notes are listed under separate headings. Loans you guaranteed for someone else can also appear here. Banks look at these lines most closely during applications, so read them carefully.
Apply to the institution for a wrong record
If a record is not yours, or a closed account still shows as open, contact the reporting bank's customer service first, then submit a written application to the Risk Centre if that goes nowhere. The bank that reported the data holds the correction authority, so going through the bank moves faster.
Tips
Watch out
Never enter your ID number or e-Devlet password into links that arrive by SMS or social media promising a risk report. This report is only available through turkiye.gov.tr and the Risk Centre's own channels; fake pages exist to steal your password and act in your name.
Frequently asked questions
+Does pulling my risk report lower my credit score?
Checking your own report does not affect your credit score. What moves the score is the queries banks run on applications and your own payment behaviour.
+How far back do the records in the report go?
The report covers past-period records reported by banks, and retention periods are set by regulation. You can see the period covered in the explanatory note at the top of your own report.
+Can I get a risk report on someone else's behalf?
No. The report is issued only after the person's own identity verification. For power of attorney cases, ask the Risk Centre which documents and channels it accepts.
+A late payment record showed up. Can it be deleted?
If the record is accurate it stays visible until its retention period ends. If it is wrong, apply to the reporting bank for a correction and ask for it to be updated.
+I don't have an e-Devlet password. How do I get one?
Go to a PTT branch with your ID and collect an e-Devlet password envelope. You can also log in with internet banking, a mobile signature or your Turkish ID card.
Sources and verification
Last verified: September 15, 2026. tell us. Interface labels are kept in Turkish because the e-Devlet portal is only available in Turkish; the service is limited to holders of a Turkish ID number.
This content is for information only; for official procedures the relevant institution’s current announcements take precedence. Details: disclaimer.