Greetings readers of the online magazine "site"! Today we’ll talk about credit history - what is it, how can you find out and check your credit history free of charge by last name (or passport) via the Internet, where it is better to order and watch CI online 🖥.
After reading the article, you will also learn:
At the end of the publication, we traditionally answer the most popular questions on the topic.
So here we go!
About what a credit history is, how to find out (check) your credit history for free by last name via the Internet and where you can see the CI online by passport 📕 - read in our issue
Let's start with the definition of credit history.
Credit history- this is information about the borrower (a specific person or company), which characterizes the fulfillment of obligations to return money received on credit from a bank, MFO and other organizations.
In most cases, credit history (CI) is used by financial institutions when deciding on the possibility of issuing next loan.
What information is contained in the borrower's credit history and where you can get your CI (free and paid)
At its core, CI is a document that includes 3 section.
The title section includes basic information about the borrower, as well as abbreviated information about his loans.
Sample of the title part of the credit history individual
The title section also contains information about how many credit inquiries have been submitted. Most often, banks are interested in the reputation of the borrower when applying for a loan or.
The main part contains a detailed breakdown of financial transactions. This section includes information about issued loans and the procedure for servicing them.
The main part of the borrower's credit history
The main part of the report contains the following information:
For this purpose, for greater clarity, color highlighting is used:
Borrowers must understand what's up with 2015 year, the credit history dossier also includes information on other debts, including alimony, public services , fines.
This section contains confidential information. Here you can find information about how the presented credit history was formed. In other words, who transmitted the data to the BKI, as well as who requested the information.
Additional (closed) part of the CI report
FROM 2014 year, any company has the right to receive information from the credit reputation (from the title and main sections). However, this requires written permission from the borrower. Short description sections of the report on credit history is presented in the table below.
Table: "Sections of the report on credit history and the information contained in them"
| Credit history section | Information contained |
| 1) Title section | Basic information about the borrower Brief information about issued loans How many credit history inquiries were |
| 2) Main section | Detailed transcript financial transactions- information about issued loans and the procedure for servicing them. This contains information not only about loans, but also about debts for alimony, fines, utilities |
| 3) Closed section | Contains confidential information about who submitted information to the bureau, as well as who requested it |
It is useful for citizens to know their own credit history. At the same time, even those who have never applied for loans should periodically study the report. This will help eliminate a number of troubles.
The reasons why you should periodically request information from your credit history may be different:
In this way, there are many reasons why citizens need to regularly check the information contained in their own credit history.
The main ways to check your credit history (for free and for money)
There are many ways to request a report on your own credit history. When deciding which one to use, it is important to understand that information about the borrower is often stored in several bureaus at once and may differ significantly in different BKIs.
That is why experts recommend that you first find out exactly where information about you is stored. For this, it is possible to contact BKI central catalog . A request can be made here using the official website of the Central Bank of the Russian Federation.
However, in addition to personal data, you will need to specify here credit history code . If it is unknown to the borrower, it is worth contacting the financial institution where the loan was issued.
Allocate 4 main ways to get and view information about your own credit history . Each of them is described in detail below.
Despite the fact that in our country today there are more than 20 credit bureau, over 90 % of all information about borrowers is concentrated in 4 -ex of them.
The largest BCIs are:
When the borrower knows in which particular BCIs information about him is stored, it is better to immediately contact these bureaus. There are several ways to do this:
The BKI collects, stores and processes information about citizens who applied for loans. In addition, the bureau generates and provides, at the request of financial companies, as well as individuals, reports on credit history.
BKI provides citizens with various services:
Once every 12 months The bureau's credit report is provided free of charge.
You can request a report on the borrower's reputation by contacting a financial institution that is an agent of the BKI.
Such services are provided by the largest banks, including Renaissance Credit , VTB Bank of Moscow , Post Bank , Binbank , as well as some regional financial companies. It is best to clarify the possibility of obtaining such a service directly at a branch of a credit institution.
To issue a report in this way, you should go to the BKI agent bank and write the appropriate statement . As a rule, it takes no more 15 minutes.
It should be borne in mind that, unlike BKI, banks charge a fee for providing a credit history report. In most cases, it is in the range from 800 to 1,300 rubles .
Big plus (+) The method under consideration is the absence of the need to contact a notary to certify the document.
Today any client big bank can easily check their own credit reputation online. In most cases, to send a request, it is enough to log in to your personal account and select a service. "Credit History Request".
The report in this case is provided with a fee. commissions, which is usually debited directly from a bank card. It should be understood: banks cooperate with specific financial institutions, from which a report will be provided.
Recently, the popularity of services that allow borrowers to assess their credit history has increased. They provide in just a few minutes mini statement . It contains borrower rating, as well as basic information - number of loans and the presence of arrears.
Despite the brevity of the received report, the service is popular. This is explained high speed of getting information, as well as low ↓ cost, which will be only about 300 rubles.
The following services are the most popular:
The presented methods allow you to get a report on your credit history. The choice between them depends primarily on the desire of the borrower.
A citizen can get a report on his own credit reputation in various ways. Due to the active development of the Internet, options that provide the opportunity to do this have recently become especially popular. in online mode .
It takes a little time to get credit information online. However, in order for the process to be really fast and correct, you should first study the following step by step instructions .
To get a report on your own credit reputation, you will first have to find out where there is data about you. It is important to understand: required to get information. It is issued by banks in the process of drawing up a loan agreement.
If for some reason there is no code or it is forgotten, you will first have to visit the nearest branch of any bank. Here, upon presentation of a passport, you can make a request in order to obtain a new code.
1) Open the official Internet portal of the Central Bank of the Russian Federation ( www.cbr.ru/ckki/ ). Here you need to find the item "Central catalog of credit histories" . After selecting this section, follow the link "Request for the provision of data on credit bureaus" .
2) Clicking on an item "Subject", the borrower must fill out the questionnaire that appears. For this you need to enter surname, name and patronymic, as well as the data of the document that certifies the identity, as a rule, passports.
In addition, you will need to specify credit history subject code, as well as email.
Action number 2. Click on the "Subject" button
3) When necessary information will be entered into the form, it will remain in the field of agreement with the transfer of the application to put a tick ✔. After that, you need to press the button "Submit Data" .
Action number 3. We send our data to receive information about the BCI, in which (s) the borrower's dossier is stored
A report on the location of the applicant's data is sent in the form email.
When the list of BKIs is received, you can proceed directly to requesting data from them. To do this, you must follow the following sequence:
Consent to the processing of personal data and obtaining a credit history in the OKB (United Credit Bureau)
Before the BKI will provide the applicant with a CT report, he will have to go through an identification procedure.
The following identification methods are provided:
Remote online identification through the Equifax Bureau
When the CI report is ready, it is delivered to the applicant in various ways:
If the borrower's data is stored in several bureaus at once, experts recommend, in order to save time, to contact their partners in order to receive a report. It could be anyone bank, credit history agency, Service Banki.ru.
Important to remember: it is only possible to request a report on your own credit reputation without paying a commission 1 times during 12 months. If you want to make requests more often, you will have to pay for each of them. The commission usually ranges from 300 before 1 000 rubles.
In addition, there are BCIs that allow subscribe to your own credit reputation updates . In this case, after each change in the report, the client receives a corresponding notification. This allows you to quickly track changes in your credit history and help you avoid fraudulent activities.
The subscription service for updates in CI is provided by:
Borrowers must understand what single base on credit histories is not developed. Information is stored in credit bureaus, which operate in our country more than 2 -x tens.
However, all BKIs are registered in Central catalog of credit histories. Borrowers can apply here to find out exactly where information about them is located.
To form request to the Central Catalog of Credit Histories (CCCH), you must go to the website of the Central Bank of the Russian Federation. Here you need to fill out a form with the obligatory indication credit history subject code .
If the code is unknown or lost, you will first have to restore it. For this purpose, it is necessary to contact the bank that issued the loan or the BKI.
After the form is completed, the request can be sent to the CCCH. When report will be formed, it will be sent to the borrower by letter to the email address specified in the application.
The central catalog of credit histories is not a single information base. Therefore, information about loans and their servicing is not stored here. Borrowers in this organization can obtain information exclusively about which BCIs have information about them.
Where to order and how to get a credit history quickly and inexpensively
There are many ways to get a report on your own credit history. Some of them have already been discussed in the presented publication earlier.
More are described below 2 popular ways to find out your credit history .
Not so long ago in communication salons "Evroset" a service has appeared that allows you to order a report on your own credit history. For this purpose, it is necessary to visit the branch of the company.
When contacting the operator, you must present the passport. After that, it will be made request to provide a credit report. It is important to understand that the service is paid. The commission for it is near 1 000 rubles.
A service can also be provided here, which is called "Perfect Borrower" . Paying order 500 rubles, available instructions, which will help fix the damaged reputation. It is developed using a scoring assessment of the borrower's reputation, as well as the period for which he wants to correct the situation.
Our website also has an article about doing it yourself.
The report can be ordered using specialized service AKRIN . The agency acts as the largest official representative of the National Bureau of Credit Histories.
In ACRIN, the borrower can use the following services:
The borrower can get information about the credit history in online mode . To do this, you need to register a personal account and go through the identification procedure. If you need advice from an AKRIN employee, you can get it as by phone, as well as through Email.
The experts consider that the service in question is perfect for those who want to regularly check their own credit history. The cost of services provided here is relatively low. At the same time, payment can be made not only using bank card, but also through popular e-wallets – Yandex money and webmoney.
Many borrowers try to learn as much as possible about the concept of credit history. That is why a lot of questions arise on the topic under consideration. Answers to the most popular of them are presented below.
Recently, the popularity has increased State Portal "Gosuslugi" . With it, you can get popular services.
However, despite the fact that the service collects a large number of information about the user, he is in no way associated with credit institutions. So here impossible order and check your credit report nor for a fee, nor free.
Many people want to know whether it is realistic to find out a credit history by last name alone. However, such an opportunity in our country No . This is primarily due to the confidentiality of information.
For security purposes, credit history data can be obtained by only certain categories of individuals and organizations.
Moreover, in Russia there is a huge number of namesakes who have the same name and patronymic, and sometimes even dates of birth. In such a situation, it is possible to identify a specific borrower only if passport data is provided.
To obtain a report from the credit history, the borrower should contact the BKI with an identity document. 1 time per year such a service can be obtained absolutely is free .
If, for any reason, the borrower wishes to clarify the information again during the year, he will have to pay commission . The cost of the service is usually several hundred rubles.
Often, BKI employees do not inform borrowers about the possibility of obtaining information from a credit history for free and charge a commission for this service. Meanwhile, this right is enshrined in law in the article 8 FZ- 218 « About credit histories» . Therefore, we can safely demand a free report from the BCI.
To maintain their own reputation, any citizen who has ever taken out a loan should know how to check information about their own credit history. It is useful to have such information for those who have never drawn up loan agreements. This will help rule out fraud.
It should also not be forgotten that 1 time per year You can get a credit report for free. Absolutely everyone should use this right in order to keep track of changes in their data in a timely manner.
That's all we have.
If you have any questions, comments or additions on this topic, then write them in the comments below. We will also be very grateful if you share the article with your friends on social networks.
See you soon on the pages of our online magazine "site"!
One of the main criteria for granting a bank loan is a credit history, which contains all information about previous loans and shows the level of discipline of the client. How to check your credit history online before applying for a bank loan?
All information about previous loans is stored in the Unified Bureau of Credit Histories. This is a database that all financial institutions have access to. At the same time, the Bureau receives all the information not only from banks, but also from leasing and insurance companies.
It is worth skipping a payment once, not paying on time or not paying in full, as the customer's discipline rating immediately goes down.
With a positive credit history, you can safely count on the approval of the loan. But this does not mean at all that the bank will agree to a loan of any amount. A positive history guarantees only the fact that the bank has approved the loan, but the amount will depend on the income and potential solvency of the client.
Solvency financiers call a set of factors that indicate the ability of the client to fulfill their obligations to repay the loan.
Each bank has its own algorithm for checking the client's solvency and discipline regarding loan repayment.
By default, the verification algorithm includes the following items:
In addition, some banking institutions, conduct additional surveys and financial scoring in order to study the client and determine his solvency.
The standard list of questions includes:
To increase the chances of getting a loan, you need to answer as accurately as possible and without much thought, since all this is recorded by an expert in the questionnaire and sent to the analyst for verification.
In addition, do not forget that the loan officer, when filling out the questionnaire, conducts a visual assessment. The bank worker has detailed instructions to determine the solvency of the client, which includes an analysis of the appearance, speech of the client, the correspondence of behavior and the specified position in the questionnaire.
Making a visual assessment of a potential borrower, his speech, response speed, behavior, a bank employee can add a comment to the application with a note to refuse a loan.
Distrust can cause alcohol intoxication, slow confused answers, ignorance of simple information (phone number, work address, etc.), emotional instability, inconsistency of appearance with that specified in the questionnaire monthly income etc.
As you can see, the bank has a lot of criteria for checking customers, among which, of course, credit history occupies a lot of attention.
It is to her, first of all, that analysts turn when checking an application for a loan.
To streamline work with credit bureaus and in order to create a single database, a State Register credit bureaus.
This register is maintained by Central Bank RF and has full authority to collect and accumulate data on loans issued to individuals and legal entities.
Before contacting the Credit Bureau, it will not be superfluous to look at the website of the Central Bank of the Russian Federation to verify whether this Bureau is included in the general register.
It should also be noted that many bureaus have official partners who have similar information and provide services for providing data on credit histories to clients.
The credit bureau contains information about how often the client took loans, for what amount and whether there were problems with payments.
To find out in which bureau the credit history is located, you need to complete a request in the central catalog of credit histories.
How to do it? There are several ways:
The Russian Bureau of Credit Histories (abbreviated as RBKI) is an organization created to systematize the credit histories of all borrowers for banks, leasing and insurance companies, credit cooperatives and organizations.
RBKI has the most complete and up-to-date information on all clients, which is constantly added and updated.
Does this mean that having once compromised his impeccable credit reputation, the client can no longer count on regular loans? Of course not.
Everything is very individual here, and each bank independently determines the algorithm for filtering customers with a “bad” credit history. A client who has taken 300,000 rubles from a bank and stopped repayment already in the third month will not be on a par with a borrower who repays a loan in a disciplined manner and only made a few late payments.
If the credit history is far from ideal, and the need for a large loan still exists, you can raise your rating using simple tricks.
So that these activities are not in vain, ask this MFI before applying for a loan if it can, after fulfilling your obligations, issue a certificate of positive history. Having accumulated 2-3 such certificates, you can present them to the bank.
According to statistics, about 80% of potential borrowers are denied a loan instantly, after checking their credit history. The Credit History Bureau forms a rating that shows the level of discipline and solvency of the client.
But here it is important to separate such two concepts as credit history and credit rating.
If history is information about all loans taken, amounts, repayment time, etc., then rating is more of a mathematical calculation.
The credit bureau contains information about:
Many clients are interested in where companies get information about loans and how legal it is that they store this information and pass it on to third parties.
Everything happens within the law, because, concluding with the bank loan agreement, each borrower signs a document where a clause is indicated that allows the transfer of data on payments, the amount of the contract, possible overdue payments and about the borrower to third parties.
Precisely on the basis this document The Lender submits information to RBKI on a monthly basis.
In this organization, a rating is formed for each borrower, and if the client is late with payment or misses it altogether, this rating is immediately lowered.
It should also be understood that the principle of forming this rating is absolutely the same for individuals and legal entities, regardless of the loan amount.
That is, it does not matter at all whether 5 thousand rubles or 1 million rubles is taken on credit. With a delay in the monthly payment or its absence, the rating will equally quickly begin to fall.
The entire credit history consists of four parts:
The title part contains information about the borrower, which is used for instant identification (this is the full name, address, code of the subject).
The main part of the history actually reflects all the data on past loans, amounts, repayment dates, late payments, etc.
The closed part contains information about the credit rating and the parameters of its formation, about the user himself.
One of the misconceptions of many borrowers is the assertion that credit histories are created only for debtors. In fact, for everyone who at least once applied to the bank for a loan and signed an agreement, such a story starts, reflecting all the information about the loan.
Today, financial experts classify all credit histories into three groups:
The most attractive story for any bank is, of course, the positive one. With a zero history, many banks are also very reluctant to make contact and, if they approve a loan, then for a minimum amount. On the other hand, you can use even the minimum loan amount, repay it in a disciplined manner and automatically move to the category of clients with positive story in order to rely on larger loans in the future.
This is one of the most topical issues for many citizens who already had relationships with banks in the past and whose credit history is not ideal.
Many customers are interested in the question of how long this information is stored in the general registry and whether it is automatically deleted from it if
Actually, no, it is not deleted. Even if the term limitation period the loan passed, and the bank was unable to repay the debt through the court, information about overdue payments and debts will continue to be in the Credit History Bureau.
Therefore, when applying to a bank for a new loan, you should be aware of how realistic it will be to get a new loan, having problems with loans in the past.
But there is also good news. Old stories may overlap with new data. Therefore, the concept of "deleting a credit history" is not an entirely accurate definition.
It would be more correct to say "overlapping the old history with new data."
But you can improve your bad credit history.
You can get a minimum loan for household appliances. As a rule, in chain stores, according to affiliate programs, very high percent approval of such loans. The loan taken must be repaid in good faith, without violating the terms of payments, and there is a high probability that the client will immediately increase his rating in the credit bureau. This option is not very fast, but at the same time, not expensive. Besides, it always works.
Another misconception of customers is that after a certain time, the credit history is cleared from the BKI database. This is not true, since credit history does not have a statute of limitations. Only the bank that will issue the loan can eliminate all errors and make adjustments to the situation with the rating.
Once in the "black list" of the bank, it is not easy to get out of it. In order to take loans in the future, it is necessary, at a minimum, to repay all current debts on the loan and influence the rating upgrade. Only after its change, the financial institution will be able to agree on the issuance of a new loan.
Most borrowers, before contacting the bank, want to make sure of their positive credit history. How to do this, by whom and on what basis is this service provided?
Agree that it is quite convenient to check your credit history directly from your computer without leaving your home.
Most organizations that have this information provide such services online for a fee. Today, more than two dozen organizations are registered in Russia that provide credit history for borrowers.
When applying in person to the Bureau, you must have a passport with you.
Services that provide credit score information are Equifax, Platesa, National Credit Bureau, central bank RF.
To get the information you need:
The National Bureau of Credit Histories is an official partner of the United Bureau and it contains the most complete and up-to-date information on borrowers' ratings.
Each client can use the free credit check service, but not more than once a year. If you apply again within one calendar year, you will have to pay for the service. As a rule, the fee for this service is 700-1000 rubles.
Equifax is a convenient modern service that, in addition to providing a credit rating report, offers Additional services. For example, you can connect SMS informing about a change in rating, the ability to change a credit history (subject to erroneous formation). The employees of this service themselves will help to form and send a request to RBKI to make changes.
You can also find out your credit history on the website of Sberbank of Russia, but for this you need to be a client of this bank. To get the necessary data, you need to register on the official website, go to Personal Area and create a request.
To form a request, you must specify the following data:
As for errors in credit histories, this is a fairly common case when clients, having received a report, see a discrepancy between the data and the real state of affairs.
Mistakes in this case can be the most unexpected. Starting with the coincidence of the last name and first name with people who are malicious non-payers and ending with temporary delays in sending information by banks to the BKI.
credit history errors
It can also be all kinds of typos, incorrect data, an error in the date of birth, etc.
Even the most common technical error with an incorrect indication of the organization in which the loan was issued can “cost” the client a lot of nerves.
As a rule, all these errors can be divided into three groups:
Usually it is the human factor, and not a technical or software failure, that is one of the most common causes of errors in a credit history.
A bank employee may simply forget and not promptly enter data on the repayment of a loan by a client. As a result, the borrower will have a negative rating and he will be denied a new loan by the bank.
It is also not uncommon to find cases where information about the debt of one client is mistakenly entered into the card of another.
In the process of data transfer between the bank and the CBI, communication may be lost, as a result of which the client data will not be transferred in full.
And there are a lot of such situations, therefore, even if after a request for the formation of a credit history, you receive disappointing data that is not true, do not despair.
If, after a request to the BCI, you received a report that reflects an erroneously bad credit history, do not despair and give up. The situation can be changed by submitting a request for re-examination. In many cases, the initiators were able to change the data, thereby improving their credit rating.
How to do it?
You need to contact the organization that submitted the report and submit a formal request for re-checking and changing the rating. This application is drawn up and certified by a notary and contains a request to appeal the credit line.
Here is a simple step-by-step instruction, which will help you dispute a negative credit history and request a revision of the data.
| List of services | possibility of free | paid service cost |
|---|---|---|
| mycreditinfo | No | from 600 r (depending on the selected service package) |
| Sberbank | No | 580 r |
| NBKI | 1 time per year | 450 r (upon re-applying) |
| Equifax | 1 time per year | from 300 to 800 rubles (depending on the selected service package) |
| OKB | 1 time per year | 390 rubles |
Conclusion. Every citizen of the Russian Federation is entitled to one free credit history check during the calendar year. To re-apply, you will have to fulfill the request and pay for this service. But before contacting the organization, you need to find out which bureau contains information on loans you have taken earlier. There is a possibility that the data is stored in different bureaus and the information will be incomplete if you take the history from only one company. If you are convinced that the credit history is incomplete, then the service is obliged to return the service fee.
The products of financial institutions in our country are in great demand. Many people apply for loans more than once. Independent control and analysis of the creditworthiness of a potential client requires the constant availability of a credit report. Popular questions in this area are: how to check your credit history online for free and how to check credit history by last name?
Content
The provision of information is carried out when applying with an application to specialized credit history bureaus (CHBs).
Nuance! Before sending a request, you should find out exactly where the data about the borrower is stored. Financial institutions have the right to cooperate with two or more financial institutions at the same time, so the history of the client can be scattered in the databases of several bureaus.
There are about 17 bureaus in Russia. The full list is on the official website of the Central Bank of the Russian Federation.
The exact location of the data on the debt obligations of the borrower in certain BKIs is scheduled in the Central catalog of credit histories (). To check the list of bureaus operating with the necessary information, you need to send an application on the official website of the catalog.
Sending a request remotely via the Internet is possible only if you have an individual subject code. This code is assigned to the borrower at the stage of registration of relations with the bank.
In case of loss of the subject code, in order to restore it, a citizen should contact his creditor bank or the nearest bank.
The established provisions of the Federal Law No. 2018 - Federal Law "On Credit Histories" entitle borrowers to request a report once a year for free. Any of the existing bureaus is obliged to provide such a service.
To receive a report through the BCI services, you can choose any of the options:
In the first three options, to send an application, you need to spend time and go to the office or post office. It is possible to send a request via the Internet only when choosing the services of BKI partners, but at the same time, payment will be charged for providing data.
It is impossible to call receiving a report via telegram or letter free of charge, since it will be necessary to pay for mail services. In fact, there is only one free way to check the report in person.
The bureaus indicate the necessary detailed information on all methods of checking the data stored by them on the official websites.
On the web resource "" you can find out how an individual can check the CI on their own. Standard methods are offered: contacting the office, letter, partner services and telegram. One request per year is free of charge, all subsequent requests cost 450 rubles. Through the Internet check here CI will not work, service for physical. persons do not exist.
The ability to check your credit history online for free turned out to be a myth. Free verification requires spending money or time.
A popular way for modern citizens to check the report via the Internet is to apply for this service to the services - partners of the BKI. One of the reliable portals is ↪. 
The application for obtaining data is made online via the Internet. The request form requires only the client's last name and passport details. Rating and report are generated within 15 minutes with a detailed analysis of the client's solvency.
The report contains information on debt obligations and calculated indicators:
The service via the Internet conducts detailed monitoring of data and indicates the weaknesses of the borrower and provides recommendations for improving the state of the report. A feature of the rating provided by ↪ is the interpretation of data in a language understandable to each client. In this case, deep knowledge of the credit industry is not required for a clear and clear understanding of the picture.
The benefits of contacting the BKI24.info online service over the Internet cover a nominal fee of 340 rubles.
Regular checking of the state of the credit history guarantees the absence of ridiculous mistakes of banks, the exclusion of fraudulent actions on your behalf.
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 mailing address of the organization, its website, Email and phone. 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 e-mail.
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 keep in mind that it will only give information that is stored in the United credit bureau(OKB). 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 obtaining a 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.
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.
