How to find out credit history? Where and how to see your credit history? How to find out your credit history yourself - online obtaining.
A credit history is a dossier on a borrower containing information about the fulfillment by him of his credit obligations. In particular, about when and for what amount he took loans, whether there were delays. Also in the dossier there is data on the current credit debt.
Credit history is kept for at least 15 years. Contrary to popular belief, it cannot be changed. Only if you can't prove that it contains erroneous data. Thanks to it, banks reduce the time to search for information on borrowers and increase the accuracy of forecasts for their reliability. Largely based on the credit history, the bank decides on the approval of the loan, as well as the conditions for its issuance (amount, interest rate).
All credit histories, with the consent of the borrowers, are transferred to the Bureau of Credit Histories (BKI), and some of them - to Central directory credit histories (CCCH). They contain information on more than 95.5 million subjects.
How to find out your credit history
A citizen of the Russian Federation can once a year find out for free his credit history. The procedure for obtaining it can be divided into two parts. The first thing to do for this is to find out exactly where the credit history is stored. This can be done on the website of the Central Bank of the Russian Federation in the section "Request for the provision of information about the CBI". After going to the site, you must select the subject option. Next, you need to enter your full name, passport data, as well as an email address. To make a request, you need to know your credit history subject code, which is attached to the loan agreement. After the request, you will receive a list of credit bureaus in which your credit history is stored on your email address. If you have borrowed from different banks, information about loans may be contained in several BKIs. If there is no credit history in any BCI, then a message will come up that there is no credit history.
If you do not know the code of the subject of the credit history, or did not form it at all, contact any bank with an application to provide you with a list of CBIs that store your credit file. Banks may request this information without a code. This service is chargeable in most organizations.
After the list of BKIs becomes known to you, you can apply to them with an application for a credit history. This can be done during a personal visit with a passport - this option is available only if the BKI is located in the same city as the borrower's place of residence. Otherwise, you must send an application in free form by mail. But then it must be certified by a notary. After 10 days, you should receive a credit report to the return address indicated in the application.
Credit history is information about how many loans a citizen has and how conscientiously he returns the money.
Bank specialists use this data to decide whether to issue a loan to a client and under what conditions. A good credit history makes you eligible for more low interest on a loan, as the bank assumes that you will pay off on time. With a bad financial record, a loan may not be approved.
Why you need a credit history check
Knowledge of credit history is useful in three cases:
- You are going to take out a loan and want to assess the chances of getting it.
- You are denied a loan or for unknown reasons, and you suspect that the problem is in your credit history.
- You are afraid that scammers could take a loan in your name.
Find out which credit bureau holds your financial records
Information about borrowers is stored in credit bureaus, a complete list of which is available on the website of the Central Bank. Credit organizations cooperate with different bureaus, so information about you may be in any of them or even in several. To find out exactly where, send a request to the Central Bank's Central Bank Credit History Catalog in one of the following ways:
- Through any bank or microfinance organization during a personal visit (take it with you).
- Through any credit bureau during a personal visit.
- , certified by a mail officer and sent to the address 107016, Moscow, st. Neglinnaya, 12, TsKKI. It should contain the last name, first name, patronymic, full passport data, the e-mail address to which the requested information will be sent (the @ symbol in the address is replaced by (a), the “_” sign is recommended to be written with the words “underscore”).
- Through a notary.
- On the website of the Central Bank. To do this, you will need the code of the subject of the credit history. You should have come up with a special combination of alphabetic and numeric characters to access the online database of the Central Catalog of Credit Histories at the time of applying for a loan.
- Through the "Gosuslugi" - they promise to send the data within a day, in reality, the answer to the request may come in a few minutes.
Personal data will be filled in automatically. If not, enter them manually.
Soon you will have access to a document that you can download or send by mail.
It lists the organizations where your credit history is stored.
If for some reason the credit history subject code was not generated (for example, you received the last loan before 2006, when such identifiers did not exist yet) or you forgot it, contact any bank. To obtain an identification code, you only need a passport. The second option is a visit to any credit bureau.
If you do not have a code, contact your bank or credit bureau. So you will immediately receive information about where your financial file is stored, and a code that will be useful to you in the future for similar operations.
Submit a request to the credit bureau
If your credit history is stored in several bureaus, you will have to contact each one. Twice a year, information can be obtained free of charge in each of the BCIs. For the third and subsequent requests, you will need to pay an average of 300-500 rubles. There are several ways to apply for a credit report:
- During a personal visit to the office of the bureau or its regional partners.
- Send to the postal address of the bureau, which must be certified by a postal officer.
- Send a request by mail. In this case, the personal signature of the applicant must be certified by a notary.
- Submit an online request if the credit bureau provides this option. So, Equifax Credit Services LLC has an online Credit History service. You can apply to the Eastern European Bureau of Credit Histories on the official website.
- Order a credit report online through the bank, if it provides such a service. True, organizations can only cooperate with selected credit bureaus. You can get a credit history at Sberbank, Binbank, Tinkoff Bank and others. You will have to pay for mediation.
- Use the services of commercial history assessment services: “My rating”, and the like. For a fee, they will not only collect your financial dossier, but also draw up credit rating. It shows the level of creditworthiness of the customer and predicts the chances of obtaining a loan.
- On the BKI website using the Gosuslug account. This feature is now available from most organizations that store credit histories.
For example, on the Equifax Credit Services LLC website, you first need to register in the standard way, specify personal data, confirm your mail and phone number. After that, obtaining a credit history using the Gosuslug account will become available.
In a few minutes, the credit history will be available for download.
, United Credit Bureau (UCB) and Equifax offer private clients online services for obtaining their credit history via the Internet.
NBKI implements a service for obtaining an online report on credit history through its partner - the Credit Information Agency (AKI). Before you can use the service, you must register on the agency's website and go through personal identification. The user is offered a choice of three ways to confirm his identity. The first is to apply with a passport to the nearest branch of the Russian Post and send a certified telegram. The second is to come with a passport to the office of the agency in person. At the same time, a credit history can be obtained right on the spot: after the AKI employee is convinced that you are you, you can use the local computer and find out everything about your applications, loans, etc. The third is to agree to receive a registered letter from the agency with an activation code account, which will need to be obtained at the Russian Post office by presenting a passport. After passing this procedure, the client gets the opportunity through his AKI Internet account not only to receive a history, but also to calculate his scoring score, which shows how attractive the borrower is at the moment for credit organizations and the likelihood of a positive decision on issuing a loan by banks. Moreover, through Personal Area the following functions are available to the borrower: ordering a certificate from the Central Catalog of Credit Histories, SMS alerts, checking the car for being in collateral, generating a subject code, contesting credit history data, etc.
The website of the Equifax Bureau has implemented the Online Credit History service. To order a credit history, you need to register on the site page. Next, you need to identify your identity. To do this, you must either visit the bureau in person, or send a certified telegram through Postal office providing telegraph services. It should be noted that after a personal visit to the office of the bureau, the credit history immediately becomes available to the client. If a telegram was sent, then the deadline for submission credit report will increase up to 10 days after the receipt of the telegram by the BKI (according to the law "On credit histories" this is the maximum fixed time). Service users also have access to the “Scoring Bureau” service. It is provided free of charge as part of a credit report.
OKB service for issuing credit reports for individuals in online mode available on the portal Loan Expert". The borrower is required to go through the registration procedure on the portal and identification in the OKB - either to appear in person at the bureau or submit an application through the Russian Post. In addition to a credit report, each user can get a personal credit rating.
The credit report contains detailed information on the borrower's credit obligations: current and closed loans, credit limits and terms, outstanding balance and timeliness of payments, as well as which organizations and when they were interested in this credit history.
The borrower, before ordering a report on a credit history, needs to find out in which or in which bureau it is stored. Credit history information can be scattered across several BKIs, and it’s not a fact that this is duplicate information, since a number of banks provide exclusive information for BKIs.
To get this data, you need to know the code of the subject of the credit history. With its help, you can independently find out such information through the website of the Central Bank of the Russian Federation for free or use the relevant paid services the Bureau.
Despite the development of remote service channels today, the online services of the BKI for providing credit history reports via the Internet cannot be fully called universal. First, the law requires the personal identification of the borrower, so it is impossible to fully provide the client with the service remotely. Secondly, the LCH market is highly concentrated, there are three main players (NBCH, Equifax and the United Credit Bureau (OKB)). They aggressively compete for market share and do not seek some sort of informal pooling of information. For example, the credit histories of Sberbank borrowers are held by OKB, the histories of those who took loans from the bank " Eastern Express”- at the NBKI, at Home Credit Bank - at Equifax.
The information that you can check your credit history by last name for free is considered by most customers to be false. However, this is misleading. According to Federal Law No. 216, each borrower can check their credit history by last name online or at any bank for free.
You can check the CI by last name for free only once a year. In other cases, it will not be possible to check it for free, you will have to pay a certain fee.
How to check your credit history by last name for free?
Credit history (CI) is formed free of charge after registration bank loan. It reflects the name of the borrower and information about how he paid his debt, whether there were delays, etc. Credit histories themselves are stored in special bureaus (BKI). There are several dozen of them in Russia. It is here that you need to submit a request to check your CI by last name for free.There are three ways to check CI by last name, two of which are free:
Submit a free request for a CI check by last name in Central bank Russia. You can check the information online by visiting the official website of the organization.
There is a special form. To check the CI for free, you will need to indicate the last name and other passport data, the borrower's personal code, a list of banks where loans were opened. Once completed, the form must be submitted. After receiving the answer, you will check your CI for free;
Credit bureau or any bank. In these institutions, you can check information by last name free of charge only 1 time during the year. The rest of the calls will no longer be free.
To do this, the client needs to find out in which bureau his history is stored or provide a personal code. This code is assigned to the borrower by his last name at the time of signing the loan agreement;
Through an online intermediary. As a rule, such intermediaries are brokers. This method allows you to check your CI by last name, but not for free. The cost of the service is small (within 400 rubles), but there is a very high risk of falling into the hands of deceivers and not finding out any information.
You can check your credit history online for free by last name not only at the Bank of Russia. As mentioned above, you can also check the borrower's data by last name for free when contacting a bank, BKI. But only once a year. If a citizen is denied such a request or they do not want to check the CI for free, this is considered an unlawful act.
Will my credit history change if I change my last name?
This is a question many borrowers want to know. By changing the surname, many are trying to fix their credit history, start everything from scratch. However, you should not check this method, because. ineffective. The fact is that in the new passport on the last page there should be information about the previous document.A vigilant bank employee, checking documents, will definitely pay attention to the previous surname. In this case, the credit history will be checked by the old name.
Thus, changing a surname is an inefficient way to correct a CI for free. Effective is the execution of small loans and their timely repayment. So, the borrower "scores" for his credit history. The approach allows you to get a reputation as a responsible citizen who has revised the approach to cooperation with banks.
Ten years have passed since the decision was made to create a BKI system in Russia. If in the first years after entry into force federal law“On Credit Histories” (No. 218-FZ of December 30, 2004), few people understood what threatens the borrower with non-compliance with obligations under documents issued in his name loan agreements, now many recipients of borrowed funds are thinking about a damaged business reputation.
So why do you need a credit check?
Moments that can be identified in a timely manner thanks to a request to the BCI
Many borrowers who actively use loans quite often face the following disappointing situation: when applying for a new loan, it turns out that the debt under one of the previous agreements was not fully repaid, as a result of which the applicant’s credit history is damaged.
Sometimes the report reveals facts of incompetence of bank employees or cases of fraud. Due to untimely or incorrect entry of information into the database, data on the amount of the loan, the frequency of its repayment and the closing date of the contract are displayed incorrectly or are not available at all. If such cases are detected in time, the client will have the opportunity to correct the situation by contacting the credit organization where the contract was made.
Let's try to figure out how to find out the credit history of a particular borrower.
Who is entitled to receive such information?
In legislation Russian Federation the right of every citizen of the country to receive data on his credit reputation is prescribed. Using this opportunity, anyone can make a request to the Central Catalog of Credit Histories once a year for free. You can re-request a report from the credit bureau (BKI) at any time. However, you will have to pay.
Remember: only information obtained from official sources. You should not buy into the tricks of scammers who promise to receive the data of any person through their own communication channels. As you know, there are currently more than thirty different credit bureaus operating in Russia. Naturally, it is impossible to obtain up-to-date data from all BCIs at the same time.
The most accessible ways to find out information
Getting a credit history is quite simple. To begin with, you should clarify in which BKI data about you as a borrower is stored. At the first contact with the bank, a kind of dossier is created for the client, where in the future all data on his credit reputation will be recorded. Each borrower must be assigned a code with a length of four to fifteen characters.
Information about which bureau stores information about the history of repayment of loans of any applicant can be found out by sending a request to the Central Catalog of Credit Histories using the website of the Central Bank. This is where you will need to know your BKI code, since this combination of numbers acts as a password that gives you the right to receive confidential information. Perhaps the borrower's data is stored in several databases of different bureaus at once.
Using secure communication channels, each user of credit resources can request the necessary information using:
- BKI, where his dossier was formed;
- one of the many credit institutions;
- notary offices;
- microfinance organizations;
- credit cooperatives.
Obtaining data: further actions of the borrower
The first stage is passed - the client knows where his credit history is formed. How to find out for free whether the data about him as a payer is reflected there correctly?
by the most in a simple way to receive a BCI report is to send a request through the site Central Bank Russian Federation. To enter passport data, go to the desired page by selecting the "Credit History" item, and then - "Request for the provision of information about the BKI". To fill out the required form individuals you should use the "Subject" index. If the information about the borrower is entered correctly, a report will be sent to the specified email address, allowing you to assess the completeness and reliability of the specified information.
How to find out credit history using other sources of information?
Does the borrower comply with credit discipline: other ways to obtain data
The client can independently apply to the bureau where a dossier has been formed on him. It is enough to present documents identifying the identity of the borrower and write an application. If the client does not have the opportunity to contact the bureau personally, then you can send a telegram with a request through the nearest post office or use the services of a notary office.
When sending a letter by mail, the form should indicate the correct details of the borrower's passport and a valid email address, where a credit report will be sent later.
Appeal to a notary also requires identification of the client (presentation of a passport or other document proving the identity of a person). Having received the written consent of the borrower, the specialist of the notary's office makes a request to the CCCH through the Federal Notary Chamber. You can receive the report in the office in person or by e-mail. One copy of the client's application for obtaining BKI data remains in the notary's office.
How can I find out my credit history? You can do this with the help of one of the microfinance organizations. Credit consumer cooperatives also have access to information stored in the CCCH database. The current NBKI Online system allows employees of these organizations to receive reliable information about the debt status of their potential borrowers.
Many Russians are interested in how to find out the credit history of another person. The question is not idle, because sometimes it is really necessary. For example, in order to find out how solvent and responsible a person is who asks you to loan a certain amount of money. Or you need to find out information about the borrower, who for one reason or another cannot send a request to the bureau on his own.
How to get data from the dossier of another user of credit resources?
Suppose you really need someone else's credit history. You can check it in two ways:
- obtaining the consent of the borrower;
- without his permission.
Option #1: If the borrower agreed to the request for information
How to find out the credit history of another borrower if he agrees to it? The procedure in this case will be the same as usual: you need to find out through the Central Catalog in which particular bureau his credit history was originally formed, and then send an online request or contact the representative office of the required organization in person.
It should be remembered that passing personal information through unsecured communication channels, that is, via the Internet, is considered not the most secure way to receive data.
Option number 2: if agreement could not be reached
It should be noted right away that it is rather difficult to obtain information without the consent of the person being checked. Moreover, this option of obtaining information is illegal. With the help of various companies (detective offices) on a paid basis, you can find out any information about a person's creditworthiness. To do this, it is enough to give his passport data.
In addition, you can try to find out information through the employees of the bank in which the desired borrower was previously credited. However, the chances of obtaining information are almost zero, since the data of the IBC are confidential and bank employees are not disclosed.
What is included in a borrower's credit report?
The data obtained from the BCI are divided into three blocks. The first part contains such information about the borrower as:
- Full Name;
- valid passport data;
- registration address;
The second part is data on the credit discipline of the borrower.
The third block displays information about who and how many times requested a report to the CBI for this client.
Credit history is very important in the life of a modern person. Timely data received from BKI will help to maintain and strengthen the reputation of each borrower.