Why is this important
Credit history statistics show how widely people and businesses use data before obtaining loans and making financial decisions. The sharp increase in applications in 2025 means that the service has become significantly more in-demand, meaning that borrowers’ behavior and the demand for transparent risk assessment are changing.
What happened
- The Credit Information and Analysis Center (KATM) reported that 2.293 million people used credit information in 2025, more than twice as much as in 2024.
- The main audience of the service consists of individuals, and the number of appeals grew over the year and reached its maximum by December.
- Data on the frequency of requests, the distribution of users by gender, age, regions, and scoring categories were also published.
Numbers and facts
- In 2025, the total number of received credit reports was 2,292,987, while in 2024 the figure was 1,073,752, and in 2023 – 506,538.
- According to KATM, the growth in 2025 by 2024 was 114%, which corresponds to an increase of approximately 2.13 times.
- In the user structure, 99.3% are individuals (2,276,330), and 0.7% are legal entities (16,657).
- Among individuals, 57% (1,298,216) requested a report once, 22% (509,324) – twice, 8% (185,511) – three times, 4% (84,160) – four times, 9% (199,119) – five or more times.
- Among legal entities, 48% (7 922) requested a report once, 36% (6 030) – twice, 8% (1 260) – three times, 3% (548) – four times, 5% (897) – five or more times.
- By month, the number of appeals grew throughout the year and reached its maximum in December: 292,859 requests from individuals and 1,251 from legal entities (for comparison: in January – 161,735 from individuals and 886 from legal entities).
Categories of citizens
- By gender, the proportion of men among individuals was 68% (1,556,851), and women – 32% (719,479).
- By age groups among individuals, the largest share fell on the 26-35 age group – 40% (901 205); then 36-45 years – 23% (526 154) and 16-25 years – 23% (519 059); the 46-55 age group – 9% (214 915), 56+ – 5% (114 997).
- According to the scoring results, the distribution among individuals is as follows: “excellent” – 5% (117 602), “good” – 28% (636 950), “average” – 55% (1 254 334), “satisfactory” – 11% (244 905), “bad” – 1% (22 539).
- By region, the largest share of users was recorded in Tashkent – 18.8% (430,087) and Tashkent region – 11.9% (269,788), followed by Samarkand region – 8.1% (183,699) and Fergana region – 7.4% (167,919).
- For legal entities, the largest share of users is also in Tashkent (city) – 61.4% (10,244), followed by Fergana region – 4.5% (743) and Tashkent region – 4.4% (727).
What does this mean
- The more than twofold increase in requests over the year indicates the expansion of regular use of credit information, primarily by individuals, and the increase in the number of repeated appeals.
- The scoring distribution shows that the “strong” group constitutes a limited share, and the majority of users are in the middle categories, which is important for assessing potential demand for loans and their issuance terms.
- The peak of calls at the end of the year indicates seasonal concentration of load and user activity, while the regional structure emphasizes the dominance of Tashkent and Tashkent region in using the service.
