The First Credit Bureau

What The First Credit Bureau does

The First Credit Bureau (Первое кредитное бюро Казахстана, operating as 1cb.kz) is a Kazakhstan-based technology company founded in 2004 that provides credit and non-credit processes, statistics, and analytics data. Headquartered in Almaty, the company functions as a credit bureau serving the Central Asia market, with its primary geographic footprint in Kazakhstan. As a credit information services provider, it would aggregate borrower credit data from financial institutions and supply credit reports, scores, and related analytics products to lenders making credit decisions. The company is led by Asem Nurgaliyeva in the role of Executive Director. The business is private and for-profit, and it maintains an active online presence via its 1cb.kz domain.

The company's business model in the credit bureau industry is typically transaction-based: lenders pay per credit inquiry or per report, often supplemented by subscription analytics and value-added data products. However, the available source material does not disclose specific pricing models, revenue mechanics, customer segments, product modules, integrations, or technology stack details. No funding rounds, acquisitions, partnerships, headcount figures, or named customer relationships are documented in the input data. The 21-year operating history (2004–present) suggests an established market position, but the absence of disclosed financial and operational data limits deeper competitive and financial analysis.

The legal entity is incorporated in Kazakhstan and is referenced in Russian as "Первое кредитное бюро Казахстана." The company has no disclosed parent organization, subsidiaries, or ownership structure, and the input data does not identify any institutional shareholders or control dynamics. No regulatory actions, certifications, patents, trademarks, or compliance frameworks are recorded. The available material is sufficient to confirm the company's function as a Kazakhstan-based credit bureau but does not support inferences about market share, competitive positioning, or financial performance.

Name

The First Credit Bureau

Legal name

Первое кредитное бюро Казахстана

Website

https://1cb.kz

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

The First Credit Bureau is a Kazakhstan-based credit bureau founded in 2004 that provides credit and non-credit data processes, statistics, and analytics services to financial institutions in the Central Asia market.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (56145), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Research (FSACAGAB), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI)

Keywords

• Credit bureau services
• Credit reporting
• Credit risk analytics
• Consumer credit data
• Financial information services

Headquarters

HQ city

Almaty

HQ country

Kazakhstan

HQ region

Asia

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D

Core offering

The First Credit Bureau is a credit bureau operating in Kazakhstan that aggregates and provides credit and non-credit information processes, statistics, and analytics data. Its offering supports financial institutions and lenders with the borrower information and credit data needed for credit assessment and risk decisions in the Kazakhstani market.

Product overview

The First Credit Bureau (Первое кредитное бюро Казахстана) is a credit bureau operating in Kazakhstan. Based on the company name and context, it provides credit reporting and related financial information services. No specific product modules, sub-products, or detailed service offerings were identified in the available source data.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Reporting Services

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Creditsafe: European-based business and consumer credit information provider offering credit reports, monitoring, and analytics globally. Comparable analytics-led offering targeting financial institutions, with a smaller geographic overlap but similar product focus.
• Experian: Global credit bureau and information services group with presence across multiple CIS and emerging markets. Comparable to 1CB in core credit reporting and analytics, with broader geographic reach and substantially deeper alternative-data capabilities.
• Dun & Bradstreet: Global business data and analytics provider supplying commercial credit reports and alternative data. Comparable to 1CB in data aggregation, analytics, and financial-institution customer base, with emphasis on business rather than consumer credit.
• CRIF: Italy-headquartered credit bureau and business information group with operations across Central and Eastern Europe and CIS. Comparable credit reporting and analytics portfolio, with stronger positioning in European emerging markets that mirrors Kazakhstan's development stage.
• Equifax: Global credit bureau operating across the Americas, Europe, and selected CIS markets. Comparable in product portfolio (credit reporting, scoring, analytics) and lender customer base, with materially larger scale and technology investment.
• TransUnion: Global information and insights company providing credit reporting, scoring, and analytics. Comparable to 1CB in core bureau and analytics offerings, with global scale that could eventually extend into Kazakhstan.

Direct peers

• National Bureau of Credit Histories (NBKI): Largest credit bureau in Russia, providing consumer credit histories, scoring, and analytics to banks and lenders. Directly comparable to 1CB as a CIS-region credit bureau serving a similar lender base with analogous regulatory and data infrastructure challenges.
• State Credit Bureau of Kazakhstan (GKB): Domestic Kazakhstani credit bureau historically affiliated with the National Bank of Kazakhstan, providing credit history services to local lenders. The most direct local competitor to 1CB, operating in the same market with comparable lender customer base.
• United Credit Bureau (OKB / Equifax Russia): Major Russian credit bureau operating under Equifax partnership, offering credit reports, scoring, and fraud analytics to financial institutions. Comparable to 1CB in product scope, customer type (lenders), and CIS regulatory environment.

Regional players

• Credit Information Bureau (BIK Belarus): Belarusian credit bureau serving the local lending market with consumer credit history data. Operates in a neighboring CIS jurisdiction with comparable regulatory framework and serves a similar small/emerging market, making it a strong regional comp for 1CB's Kazakhstan operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/the-first-credit-bureau

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The First Credit Bureau