Bankomat

Credit History and Credit Score

News | 2026/06/29 22:01

All important information in one place

Credit History and Credit Score

The decision to grant a loan by the bank is made based on the customer's current credit history and the creditworthiness score generated by the bank's scoring system.

What is credit history

Why is credit history important for the customer

How to build a good credit history

What to do if the credit history is incorrect or incomplete

What is a score

Main factors affecting the score

Improving credit history and score


Dear customer,

You can obtain a credit report from the ACRA bureau once a year for free:

You can get your credit report online from the ACRA bureau's website (www.acra.am) and check your credit behavior. If you notice any errors, contact the lending organization to correct them.

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