Thanks to the active development of the worldwide network, now everyone can check their credit history free of charge over the internet. This will save time spent on visiting the BCI. Below we will talk about the specifics of ordering a credit history in credit bureau, what mistakes can occur and whether it is possible to find out a credit history by last name.
Let's begin with that credit history is the total of all loans taken by a person and payments made. If the borrower fulfills obligations in good faith, then they say that he has a “good” history. Such a client will easily receive new loan in any bank / MFI.
If the client turned out to be dishonest, allowed constant delays in the payment schedule, his ki is considered “bad”. With such a reputation, it is difficult for a person to issue new loan in a financial institution.
To know what their credit status is, the borrower should check the status of his history once a year. This is necessary for the following reasons:
In addition to the borrower and the financial institution, the state of his credit history may be interested in Insurance companies. This happens if a person decides to draw up an insurance contract. Viewing a client's ki allows you to identify it financial condition, relation to payments.
When conducting a major transaction for the purchase / sale of a car or real estate, a person may be asked to provide his credit history.
When hiring, the future employer may ask about the credit status of the hired employee. Thus, the manager wants to understand how responsible a person is in his actions, how he knows how to plan his financial flows.
At the conclusion loan agreement in any bank or MFI there is a registration subject code. It is a set of numbers and letters invented by the client. This combination is transferred to the Central catalog of credit histories. This institution stores information about where exactly the BKI is located for each person's ki. The subject code can change during life if a person has forgotten or lost it. To apply for a new one, you need to contact the nearest bank or CBI.
To get a list from CCCH to the client to make the corresponding request one of several ways:
The procedure for obtaining a list of bureaus is free and available to any citizen of Russia without restrictions.
Credit histories of Russian citizens are stored in four large credit bureaus and ten smaller ones. Once a year every person has the right absolutely free to get a report about the state of your ki.
It may be in the database:
If a request came to them with the answer “Credit history not found”, then the person has never taken a loan in his life or his history must be looked for in smaller credit institutions.
This abbreviation stands for the National Bureau of Credit Histories, which today is one of the largest depositories in Russia. The peculiarity of this institution is that his client cannot view his credit history via the Internet. The company provides its services only offline.
The borrower needs to apply to the representative office of the NBKI with a passport. After making an official request, in a few hours the client will receive a complete report on their loans and payments on them.
NBKI actively cooperates with partner organizations that provide services online, for example, bki24.info. This bureau is distinguished by loyalty in work. To receive a report, the client does not need to visit the office in person. On the official website ➠ a person fills out a special form by entering their full name and date of birth. The client pays 340 rubles to the account indicated by the BKI. An hour later, a five-page credit report arrives at his email address.
This bureau was the first to allow customers to check their credit history online for free. A person can contact Equifax in person. Or you can do it online by visiting the official website of the company on the Internet. There are three main steps to go through:
If a person wants to constantly monitor the state of his history, he can order special packages from the company, paying them according to the current tariffs.
The United Credit Bureau works with its clients both offline and via the Internet. By visiting the official website of the company, the client must fulfill three main conditions:
Anyone can view the state of their credit history via the Internet for free by contacting the OKB once a year. Repeated calls are paid according to the tariffs of the company.
Many people ask the question is it possible to check your credit history online for free only by last name? Impossible. The credit report belongs to the category of data prohibited from public disclosure. And there are namesakes in our country a large number of. As a result, Ivan Ivanovich's report may come to another person.
There are services that provide the opportunity to view a credit history via the Internet, but not for free and only if all the client's passport data are available.
Sometimes in the course of life a person changes his last name by different reasons. How to be in this case? If you have changed your surname, you need to contact the BKI or the bank with a request to change the state of ki. A copy of the new passport with the changed surname is attached to the application.
Having checked your credit history online for free, you found errors and inaccuracies in it. What to do?
If you have a loan that you did not apply for, you must write a statement to the bank's security service with a request to sort out the situation. Loan information may be entered incorrectly. It is possible that a loan has been issued for your lost documents. In this case, you must provide a copy of the statement about the loss of the passport.
Sometimes payments made or closed loans are incorrectly shown in the credit history. To make corrections to the credit, you must write an application to the BCI or the bank, attaching copies of receipts confirming the payment of the loan or its complete closure.
Hello, friends!
Today is a serious and very important topic. It applies to anyone who has ever, anywhere taken out a loan. Since 2005, the state has obliged special organizations to store, process and provide on demand information about our loans. In this article, we will talk about how to find out your credit history.
Not so long ago, namely since 2005, many citizens of our country have acquired a credit history. What it is? This is information about all the obligations assumed by a particular person and about the fulfillment of these obligations. For whom is it needed? First of all, for the borrower himself, as well as for financial institutions.
For those who want to understand this issue thoroughly, I can recommend studying the Federal Law “On Credit Histories”. It has all the important concepts and definitions that we will talk about in the course of the article.
If you applied to a financial institution for a loan, the bank will check your borrower history. It is from her that he will learn about how conscientiously you treat your debts, and will decide on issuing you another loan. Therefore, it is so important that the information is reliable and complete.
Where and for how long is the dossier for a particular user stored banking services? 10 years in the credit history bureau (BKI). The Central Bank has created the Central Catalog of Credit Histories (CCCH) - this is a special department that is designed to collect, store and provide information about the bureau.
How long does it take for information to be updated? According to federal law banks are obliged to provide information to the bureau with which they have concluded an agreement no later than 5 working days. As already noted, the storage period of information is 10 years. But this period is counted from the moment of making last change. Therefore, each time changes are made, a new retention period begins.
As of May 14, 2018, 14 BCIs were registered with the CCCH. They are located not only in Moscow and St. Petersburg, but also in several other cities of Russia. Anyone who wants to check their reputation as a borrower needs this information, because it can be stored in any of these bureaus. You may need the organization's mailing address, website, email, and phone number. What to do with this information, I will tell a little further.
The document consists of 4 parts:
bank or other financial institution, in which citizens receive borrowed money, can conclude an agreement with several BCIs at once. As a result, information about you may not be in one, but in 2, 3, etc. bureaus.
The document records all, even the most insignificant changes in the issues of issuing and repaying loans, providing installment payments, servicing bank cards etc. Therefore, it is very easy to ruin a reputation without paying, for example, a couple of hundred rubles for. In the article, I already wrote how you can get into debt without noticing the moment of the overdraft in time.
How credit history deteriorates:
A borrower can bring out many dark spots of his financial biography. In the article on how to improve your credit history, I just share the most accessible ways do it.
Everyone can request a credit report. What it is? This is information from his credit history. Experts recommend doing this at least once a year for the following reasons:
The report can also be ordered:
The listed organizations get access to the information part of the report without your consent. Access to the main part is given only with the written consent of the borrower.
Before describing how to get a credit report, we need to understand what a credit history subject code is and where to get it. The fact is that when it is available, access to information is greatly simplified.
This is a kind of pin code that you enter on the website of the Central Bank in order to access the list of BKI where your credit history is located.
Where does this code come from? You must come up with it when concluding a loan agreement with a financial institution. It is a set of letters and numbers. It is understood that we had to remember or write it down in order to access the information later.
I want to appeal to the readers of the blog. Has anyone ever heard from bank employees that you need to save the code? I interviewed all my friends and acquaintances who use borrowed funds. Nobody knows anything about this code. I took out my two loan agreements, which were repaid a long time ago - there is no code in them. So how should I know him?
I drew only one conclusion from this - our state, just like us, still needs to learn financial literacy. At least in terms of timely informing the population about important issues. Laws have been written, special organizations have been created, and it is recommended to figure out how to use all this on your own. Well then, let's figure it out.
There are several ways to get a report on all your loans:
I remind you that some bureaus are not located in the capital (for example, there are in Tyumen, Krasnoyarsk or Rostov-on-Don). And your dossier may be in one of these organizations.
Let's consider all the methods in order.
Instruction:
Step 1. Find out in which CBI (or which) information about you is stored.
You make a request to the CCCH via the Internet at cbr.ru. And here is the time to remember the subject code. The CCCH will send the list of bureaus to your email.
If you do not know the subject code, contact any bank or CBI to form it. This can only be done if you have a credit history. If you don't have it, then you don't have a code either.
The service is not free. A study of the bureau's websites revealed a price of 300 rubles.
You can send a request to the CCCH without a code through the BKI, a microfinance organization, a post office or a notary.
Step 2 Contact the BCI for a report.
Once a year, we have the right to request our credit history in any BCI free of charge.
For example, I went to the NBKI website ( National Bank credit histories). This is the oldest and largest bureau. Created in 2005, it offers the following ways to get a shareware report:
Please note that a signature certified by a notary and sending a telegram cost money. The process is no longer free.
In other bureaus, the procedure for obtaining a report is similar.
Banks provide a service for obtaining a report, but not for free.
For example, its cost in Sberbank of Russia is 580 rubles. But it should be borne in mind that he will only issue information that is stored in the United Credit Bureau (UCB). If you are sure that this is where information about you is located, then you can use the free right to receive a report once a year. To do this, you should contact the OKB directly.
If you want to use the online method of obtaining a report, then this service is provided only on commercial basis OKB itself or through Sberbank Online.
JSC AB Russia will make a request and send you a report for 900 rubles. Post Bank promises to provide a report in 15 minutes according to the passport, but for 3,000 rubles.
The question is often asked whether it is possible to view your history online by last name. The online service is provided, for example, by the Credit Information Agency, an official partner of the NBKI and commercial organization. But in addition to the surname, you will need to enter the details of the passport.
The cost of the service is 450 rubles.
The largest financial portal Banki.ru also provides a service for receiving credit report. Its cost is from 800 rubles. The portal cooperates with three BCIs. The price line looks like this:
BCI "Equifax" offers to receive a free report required by law online once a year. To do this, you need to register on the official website and go through the procedure for submitting a request. If you want to receive a report more than once a year, you can buy an annual (795 rubles for 1 report per month) or monthly (795 rubles - unlimited) subscriptions, packages for 5 pieces for 595 rubles, for 10 - for 795 rub.
Can I check information about my loans through the State Services? Unfortunately no. The portal provides a description of the service for obtaining an extract from the CCCH about which BCI contains the document. But it is not possible to get it directly on the State Services website. You need to contact the CCC.
Let's sum up this difficult topic. What points should be paid special attention to:
Subscribe to our blog to always be aware of financial issues that can affect our lives. I never saw my credit history. Let's try to get it together, and share the ways in the comments.
Carrying out such an operation as checking your reputation through the credit bureau for free by last name will provide users with the opportunity to quickly find out all the necessary information regarding previously made payments on issued loans and loans. If you carry out such an operation correctly, you can quickly and easily identify various errors. It is allowed to obtain information regarding the user's chances of obtaining a new loan. In this article, you can find answers to questions about how to study your reputation, how to do it quickly and completely free of charge.
Information on previously issued loans is a special dossier of the borrower, where the necessary data are noted from organizations such as MFIs, banks and various telephone companies whose main activity is based on financial customer service. Even if a person did not apply for a loan, there is still a special reputation, it is simply zero.
You need to know that the information is assigned to every person who has a passport and an official residence permit.
You can get an answer to this question only directly in the banking institution. Without exception, all information related to loans is stored in large credit institutions:
To understand where the necessary information is stored and how to view a credit history on the Internet for free, it is important to simply know the official code of the subject of CI study. It is formed in the process of the very first contract for the loan received. The user must send a corresponding request to a special catalog of such requests or through the portal of the Central Bank of the Russian Federation. Then the required list of bureaus will be sent to the specified contact. If there is no such code, you will need to contact the verification service - My Credit Status, BKI Online or MyRating.
To get free information on a civil passport, you need to visit the office of any BKI with a document and simply request a special personal file. The study of information is officially available only to the owner himself. The information of such a plan is considered confidential and is not provided to third parties.
Each person has the right to study the data for free once a year. For the second time and all subsequent will have to pay. You need to know that the right to a one-time annual acquaintance with the reputation of loans is granted on a completely legal basis. This right is spelled out in Article 8 of Law No. 218-FZ.
If the free opportunity has been exhausted, you can study the information by paying a certain amount. Make it allowed on official portal, but in special online services. If you are willing to pay for obtaining such information, you can contact the bank, find out if such a service is available to the user, pay and get information. Among the popular banks that provide the opportunity to check your credit history for free via the Internet, we can note:
In many third parties quite often you can get information for free the first time, and then pay a certain amount. There are resources where primary identification is carried out on a paid basis, and the reports themselves are provided free of charge.
After it became clear where the CI is stored, you can make a request to the specified organization. You need to perform simple manipulations:
If the user who sent the request has at least some CI, if it is not zero, a response will be sent to the specified mail, which will contain the necessary records. In some cases, you receive a notification that the requested information was not found. This is evidence that none of the official bureaus has the relevant information. Here you can not see the credit history for free online by last name.
If, based on the results of a report received without a passport, it becomes clear that there are certain problems with CI and the reputation for loans received is not very exemplary, certain measures should be taken. Here are a few options to improve the situation:
All of the above methods are relatively simple. The main thing is to show some perseverance and after a certain time you can apply for loans and various loans on the Internet.
My CI, reflected in the credit bureaus in 2020, as certain information data, is quite important for modern man. In the presence of certain shortcomings and delays, banks may refuse to provide subsequent loans. Therefore, it is important to be interested in the records in the CI bureau, to know how to check the credit history for free by last name and, in the presence of negative factors, take timely measures.
If you do not remember which banks you owe and how much, you can check this by examining your credit history. This is a document containing information about your loans and borrowings, an individual rating (if any), as well as information about the sources of formation of a credit history and about users to whom credit reports were issued.
Banks and others credit organizations in without fail send such information to the credit history bureau (CBI). Banks can send information to different BCIs. Thus, your credit history may be stored in several bureaus.
If you have never entered into a loan (loan) agreement, you do not have a credit history.
Having received information about which of the credit bureaus holds your credit history, you can request a report on it directly from the CBI.
The procedure for submitting a request may vary depending on the specific BCI. Typically this can be done:
You can get a free credit history in each credit history bureau twice a year, while on paper - no more than 1 time per year. For subsequent (within a year) appeals, the BCI has the right to charge a fee.
You can challenge the information contained in your credit history by submitting an application for amendments and (or) additions to the CBI in which it is stored.
Within 30 days from the date of registration of your application, the BCI is obliged to conduct an additional check of the information contained in the credit history by requesting it from the bank to which it relates.
The bank is obliged, within 14 days from the date of receipt of the request of the CBI, to provide it with information confirming the accuracy of the disputed information, or correct your credit history. In the latter case, the credit bureau will update or cancel your credit history.
The credit bureau is obliged to inform you about the results of consideration of your application in writing after 30 days from the date of its registration. If you do not agree with the decision of the BKI, you can challenge it in court.
