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Bu soruyla ilgili cevab\u0131 ilerleyen sat\u0131rlarda zaten bulacaks\u0131n\u0131z dilerseniz biraz hayat\u0131m\u0131z da kredi notunun yerinden bahsedelim.<\/p>\n

Bu yaz\u0131m\u0131zda sizden bizden bahsedelim. Yani; birikim sahibi olmayan ve kredi \u00e7ekip bir \u015feyler planlayan ki\u015filerden. E\u011fer birikim sahibi de\u011filseniz para bulma konusunda ilk ba\u015fvuraca\u011f\u0131n\u0131z yer elbette ki bankalar olacakt\u0131r. Bankalar ise her ba\u015fvuran ki\u015fiye kredi veya kredi kart\u0131 vermezler. Ba\u015fvuru sahibinin hobileri, e\u011fitim ald\u0131klar\u0131 yerler veya nerede ikamet ettikleri onlar\u0131 ilgilendirmez. Bakacaklar\u0131 finansal ge\u00e7mi\u015finiz olur bu da kredi notu demektir. Ki\u015fisel olarak konu\u015fmak gerekirse kredi notunuzu bilmeniz \u00e7ok \u00f6nemlidir. Herkesin bir kredi notu vard\u0131r ( bankalar ile hi\u00e7bir i\u015flem yapmam\u0131\u015f n\u00fcfusun %11\u2019lik k\u0131sm\u0131 hari\u00e7 ) . Ve bu not Kredi Kay\u0131t B\u00fcrosu taraf\u0131ndan saklan\u0131r. \u015e\u00f6yle bir \u015fey var ki; KKB taraf\u0131ndan saklanan bu veriler bankalara a\u00e7\u0131kt\u0131r. Yani her banka ve finans kurumu bu verilere eri\u015fme hakk\u0131na sahiptir.<\/p>\n

Kredi Kay\u0131t B\u00fcrosu bu verileri ayr\u0131ca olu\u015fturmu\u015f oldu\u011fu Findeks platformu ile ilk kullan\u0131c\u0131ya da sunmu\u015ftur. Yani, vatanda\u015f olarak siz kendi kredi notunuzu \u00f6\u011frenebilirsiniz. Findeks ile Kredi Notu Sorgulama Nas\u0131l Yap\u0131l\u0131r? bir g\u00f6z atal\u0131m.<\/p>\n

\u00d6ncelikle Findeks resmi web sitesine giderek \u00fcyelik i\u015flemlerinizi yapman\u0131z gerekmekte. Bunun i\u00e7in n\u00fcfus c\u00fczdan\u0131n\u0131z ve cep telefonunuz yan\u0131n\u0131zda olsun. \u00c7\u00fcnk\u00fc sizden istenecek bilgiler TC kimlik numaran\u0131z ve baz\u0131 n\u00fcfus kayd\u0131 bilgileriniz. Bu i\u015flemler tamamen g\u00fcvenlik a\u00e7\u0131s\u0131ndan uygulanmakta daha sonras\u0131nda ise \u00fcyelik i\u015fleminiz ba\u015far\u0131 ile tamamlanacak ve cep telefonunuza parola iletilecektir. Art\u0131k sa\u011fl\u0131kl\u0131 \u015fekilde Findeks sistemine giri\u015f yapabilir ve kredi notu sorgulama i\u015flemi yapabilirsiniz.<\/p>\n

Findeks \u00fczerinden kredi puan\u0131 sorgulama i\u015flemi 4,72 TL\u2019dir. Ayr\u0131ca risk raporu istemeniz durumunda 7 TL \u00fccret tahsil edilecektir. Bu \u00fccretler tek seferlik sorgulama i\u00e7in y\u00fcksek gelebilir. Daha uygun fiyatlar i\u00e7in Findeks paketlerine bakabilirsiniz. Bu sayede her ay kredi notunuzu g\u00fcncel olarak takip edebilir ve daha uygun fiyatlar ile risk raporunuzu da edinebilirsiniz.<\/p>\n