Consumers who want to increase their credit rating, which is updated at least once in each payment period, should know the percentiles in a short time and immediately turn the most important factors in their favor. If these requirements are met, the credit rating will increase in a very short time, and if not, it will decrease in a very short time.

Factors Affecting Credit Rating

Factors Affecting Credit Rating

Based on the increase in the questions about the credit rating, Findeks made a statement about the subject and clearly expressed how the algorithm interpreted various factors. This sharing was made in a very simple way for everyone to understand and the discussions on the subject were put to an end.

Credit and Credit Card Payment Habit (35% Impact)

Credit and Credit Card Payment Habit (35% Impact)

It is one of the factors that have the highest impact on the credit rating, whether the consumers regularly pay their debt arising from their credit and credit cards. Banks expect that credit or credit card payments will not be paid before or after the day of the loan due to the credit payments they will allocate. For this reason, by paying just in time, you can ensure that your relations with banks develop significantly.

Current Payables (35% Impact)

This factor, which had a 25% impact in 2016, was decided to have a 35% impact in 2017, and the algorithm was revised in this direction. Consumers who make credit rating inquiries can witness that their credit rating decreased due to their debts to banks at that time, and the credit rating will be positively affected as credit or credit card debts are paid and the debt volume decreases.

The most important reason for the current debts to decrease the credit rating is to prevent direct use of more than one loan at the same time and to protect both the bank and the consumers.

New Loans (11% Impact)

A newly drawn loan will affect the credit rating by 11%. The reason for this factor exists is that consumers who try to benefit from the high credit rating send credit applications to more than one bank at the same time. Although it is explained as 11% how much this factor will affect the credit rating, it is possible to witness that it has much less or much more effect depending on income.

Credit Usage Frequency (10% Impact)

How often you use banking products is very important for banks. This has a 10% impact on the credit rating, as financial awareness is created and more data is provided to the bank. There is nothing for consumers to do in order to be affected positively or negatively.

Other (9% Impact)

The most obvious factor is the other factor published by Findeks in its announcement. This factor affects the bank’s credit policy at a rate of 9% or less, depending on the credit policy, consumer savings, income, tax or SGK debt.

Which is the Most Impact


As mentioned above, the most effective effect on the credit rating is the payment method of the debts to the credit and credit card, the current debt situation.

In this context, trying to develop two factors in a positive way will increase the credit rating in a very short time, while negative developments will cause the credit rating to decrease in a short time.

Among the articles on our site; You can take a look at the section titled How to Avoid Problems with Banks, as it is related to the subject.

You may also like