Albania and Kosovo never had a Credit Karma. AlbScore shows you your 300–900 score, explains exactly what drives it, and how to raise it — in minutes.
One honest score, the levers behind it, and the tools to move it — built for how credit actually works in Albania and Kosovo.
Checking your score costs nothing and never will. No card, no trial, no catch.
Five factors, published weights, a reason for every point. Nothing hidden behind the number.
Pay down debt, clear a late payment — see how many points it moves before you do it.
You decide which lender sees your score, with a code you can revoke. Every view is logged for you.
Export everything we hold in one click, or delete your account permanently. No dark patterns.
Lek and euro, local income realities, local lenders. Not a foreign product with a translated label.
Your AlbScore is built from the five factors mature lenders weigh — with the exact weights below. Every factor comes back with its rating and the reason.
AlbScore is an educational estimate from the details you provide — not an official report from the Bank of Albania or CBK registries. That honesty is the point: you see the same logic lenders use, before they do.
Income, payments, debts — or import a bank CSV and we fill it in. Nothing is stored unless you save it.
Your 300–900 with all five factors rated, weighted, and translated into plain language.
Simulate your next moves, track the trend month over month, and share it only when you choose.
Consent-first sharing, one-click export, permanent delete. Built to local data-protection law — because trust is the product.
Nothing is shared. This estimates your score from the same factors real lenders use.
Your take-home pay after tax.
Over roughly the last 2–3 years. Honesty gives you the most useful estimate.
Across cards, loans and overdrafts.
How long you've had credit.
A responsible variety helps.
New credit you've applied for in the last 6 months.
See how changes could move your score — before you make them.
Applying for a loan? Generate a consent code to let a specific lender view your AlbScore. You stay in control — see who viewed it, and revoke anytime.