Article 22. The rights of the subject of the credit history The Law on Credit Bureaus and Formation of credit histories in the Republic of Kazakhstan

Home / RLA / Article 22. The rights of the subject of the credit history The Law on Credit Bureaus and Formation of credit histories in the Republic of Kazakhstan

 The subject of the credit history has the right:

1) give consent to the information provider to submit information about him to credit bureaus for the formation of a credit history with which the information provider has concluded an agreement on the provision of information, with the exception of a credit bureau with state participation;

2) give consent to the recipient of the credit report to receive a credit report about him;

3) to obtain, in accordance with the requirements established by this Law, a credit report on oneself from the moment the information about it is received by the credit bureau.;

4) when considering his application for a loan, require the recipient of the credit report to review the credit report or issue, in accordance with the internal rules of the recipient of the credit report, a copy of the credit report received by the recipient from the credit bureau;

5) declare disagreement with the information contained in the credit report, with the possibility of obtaining information about the supplier;

6) request an amended credit report from the credit bureaus if the credit report provided to the recipient, due to the actions or omissions of the credit bureau staff, contained information that did not correspond to the information provided by the information providers to the credit bureaus.;

7) contact the information provider with a request to correct the incorrect information.

IZPI's note! Subparagraph 8) is provided for in the wording of the Law of the Republic of Kazakhstan dated 30.06.2025 No. 205-VIII (effective sixty calendar days after the date of its first official publication).

8) establish a free voluntary waiver of bank loans, micro-loans, or withdraw it from a credit bureau, through the e-government web portal, or from the bank's information facilities, organizations engaged in certain types of banking operations, organizations engaged in microfinance activities integrated with services hosted on the e-government gateway.

The Law of the Republic of Kazakhstan dated July 6, 2004 No. 573.

This Law defines the legal, economic and organizational foundations of the formation of credit histories in the Republic of Kazakhstan, the legal status of participants in the system of formation of credit histories and their use, regulates public relations related to the creation, implementation and termination of activities of credit bureaus, the specifics of state regulation, control and supervision in this area.

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Republic of Kazakhstan

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