How to improve your credit rating and what you should consider when applying for a loan in Kazakhstan, collecting and storing credit history, as well as creating a personal credit rating, is carried out by the First Credit Bureau (PCB) and the State Credit Bureau (GKB). As noted by Indira Karlibaeva, an expert in the field of financial services and retail financial products, head of the PCB department, the formation of the rating is mainly influenced by the discipline of payments, the current credit load and the length of the credit history. Read more about exactly how a credit rating is created and what needs to be done to raise it in Caseinform material.