Equifax check your credit history. How to find out your credit history: all free and paid methods
Carrying out such an operation as checking your reputation through the credit bureau for free by name will provide users with the opportunity to quickly find out all the necessary information regarding previously made payments on issued loans and credits. If you carry out such an operation correctly, you can quickly and easily identify various errors. It is permitted to obtain information about the user's chances of obtaining a new loan. In this article, you can find answers to questions, 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 from such organizations as MFIs, banks and various telephone companies, the main activity of which is based on financial services to clients, is marked. Even if a person did not apply for a loan, there is still a special reputation, it is simply zero.
- Bureau name;
- Personal information about the borrower - passport, full name, special identification information about the taxpayer;
- Information regarding how many previously issued loans, how many times loan requests were submitted;
- There is data on how the person repaid loans, whether there were delays;
- There are decisions of financial institutions on the requests sent;
- In a special section, there are special marks for requests for credit history.
You need to know that the information is assigned to each person who has a passport and an official residence permit.
How to find out with whom this or that bank cooperates in terms of CI verification?
You can get an answer to this question only directly at the banking institution itself. Without exception, all information related to loans is stored in large BCH:
- NBKI - Russian National Bureau of CI;
- OKB - the official unified credit bureau;
- "Russian standard";
- Special organization Equifax or International Equifax Credit Services.
To understand where the necessary information is stored and how to view your credit history on the Internet for free, it is important just to know the official code of the subject of the CI study. It is formed in the process of the very first contract for the loan received. The user must send the corresponding request to a special catalog of such requests or through the portal of the Central Bank of the Russian Federation. Then the specified list of bureaus will be sent to the specified contact. If there is no such code, you will need to contact the reconciliation service - My Credit Status, BKI Online or MyRating.
How to find out your credit history using your passport and how much does it cost?
To obtain free information on a civil passport, you must 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. Information of such a plan is considered confidential and is not provided to third parties.
Everyone has the right to study the data for free once a year. For the second time and all subsequent ones you will have to pay. It is necessary to know that the right to a one-time annual acquaintance with the reputation for 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. This can be done on the official portal, but in special online services. If you are willing to pay for such information, you can contact the bank to find out if such a service is available to the user, pay and receive information. Among the popular banks that provide an opportunity to check your credit history for free via the Internet, you can note:
- Sberbank - 580 rubles;
- Tinkoff - a short report for 59 rubles;
- Euroset - a quick report for 990 rubles.
In many third-party organizations, it is quite common to 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.
Is it possible to get information for free. How to do it step by step?
After it became clear where the CI is stored, you can make a request to the specified organization. You need to perform simple manipulations:
- Follow the link with a request to obtain the necessary information on the passport.
- A category is selected where the word Subject is spelled out.
- The necessary personal information is filled in. We are talking about such information as name, passport information, official code of the subject, e-mail.
- An application is sent to study information by a common base.
- Waiting for an answer about your credit history.
If the user who sent the request has at least some CI, if it is not zero, an answer will be sent to the specified mail, which will contain the necessary records. In some cases, a notification is received that the requested information was not found. This is evidence that there is no relevant information in any of the official bureaus. Here you cannot view your credit history for free online by last name.
What if your CI is bad?
If, according to the results of the report received without a passport, it becomes clear that there are certain problems with the CI and the reputation for the loans received is not very approximate, it is worth taking certain measures. Here are some options for how to improve the situation:
- Pay the bills that were valid in the last period as soon as possible. If the financial institution realizes that over the past years there have been no delays, the applicant may well be entrusted with another loan.
- There is an opportunity to negotiate with the institution where the delay was recorded, to restructure the debt.
- If certain difficulties arise, you just need to contact the bank and try to explain the situation. For example, a person could be sick for a long time or lost his job. If you can provide documents proving this factor, you can effectively remedy the situation.
- Taking and timely delivery of a microcredit. The option is the optimal solution. It is clear that no bank will give a person the requested amount, but today there are many different microfinance organizations. They provide loans on more loyal terms - according to passport data, compensating for them with inflated interest on the loan. If you take such a loan and repay it clearly and on time, you can significantly improve your CI.
All of the above techniques are relatively simple. The main thing is to show some perseverance and after a certain time you can arrange loans and various loans on the Internet.
Summing up
My CI, reflected in the credit bureau in 2020, as certain informational data, is of great importance for a modern person. In the presence of certain shortcomings and delays, banks may refuse to provide further 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, if there are negative factors, to take timely measures.
If you do not remember which banks you owe and in what amount, 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 the formation of credit history and about the users to whom credit reports were issued.
Banks and other credit organizations must send such information to the credit bureaus (BCH). Banks can send information to different BCHs. This way, your credit history can be stored in multiple bureaus.
If you have never entered into a credit (loan) agreement, you do not have a credit history.
2. How do I know where my credit history is stored?
3. How to request a credit history from a credit bureau?
Having received information about which of the credit bureaus stores your credit history, you can request a report on it directly from the BCH.
The procedure for sending a request may differ depending on the specific CRM. Typically, this can be done:
- by mail (notarized signature is required);
- personally at your CHB or a financial services provider cooperating with it;
- with the help of an electronic document using a strengthened qualified or simple electronic signature (with the receipt of a key in person);
- in the form of a telegram, certified by a telecom operator upon presentation of a passport or other identity document.
You can get a credit history free of charge in each credit bureau twice a year, while on paper - no more than once a year. For subsequent (within a year) requests, the BCH has the right to charge a fee.
4. How to dispute a credit history?
You can dispute the information contained in your credit history by submitting a request for amendments and (or) additions to the BCH where it is stored.
Within 30 days from the date of registration of your application, the BCH is obliged to conduct an additional check of the information contained in the credit history by requesting it from the bank to which it belongs.
The bank is obliged, within 14 days from the date of receipt of the BCI's request, to provide it with information confirming the accuracy of the disputed information, or to 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 in writing about the results of consideration of your application after 30 days from the date of its registration. If you disagree with the BCI's decision, you can challenge it in court.
What is Credit History
Credit history (CI) is data about received loan products and how they were repaid. The subject in this case is a legal entity or an individual (including an individual entrepreneur) who is a borrower. The report also contains information on judicial penalties(if any), alimony, late payments for utilities, mobile communications, fines Traffic police and tax penalties.
That's why every citizen Russian Federation has a credit rating, regardless of whether he applied for a loan product earlier or not. Credit history stores all information about debts both in banks and government agencies.
Where is the credit history stored
Almost all credit histories of Russians are stored in the four largest CHBs:
- National Bureau of Credit Histories JSC (NBCH).
- United Credit Bureau CJSC (OKB).
- Equifax Credit Services.
- LLC "Credit Bureau Russian Standard".
To find out in which bureau is it stored Your credit history, you need to know your credit history subject code, which is formed when concluding a loan agreement. By sending a request to the Central Catalog of Credit Histories (CCCI) or through the Bank of Russia website indicating credit history subject code You will receive a list of the bureau.
If you have not formed your own special code for the subject of credit history, it means that you simply do not have it. But in order to find out your credit history, it is not at all necessary to know the subject code - you just need to contact one of the CI verification services online who cooperate with all credit bureaus, for example, through services or etc.
Where do banks and MFOs transfer their credit history?
Some banks work with one bureau, other companies may work with several at the same time. Let's give an example:
Bank's name |
Where to transfer |
Where does the request go? |
Sberbank |
Equifax, OKB, SZBKI, MBKI |
NBKI, Equifax, OKB, SZBKI, MBKI, KB Russian Standard |
Vanguard |
NBKI, Equifax |
NBKI, Equifax |
Alfa Bank |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB |
VTB Bank of Moscow |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB |
NBKI, OKB, Eqifax |
||
NBKI, Equifax, OKB |
Equifax, NBKI, SZBKI |
|
Gazprombank |
NBKI, Equifax, SZBKI |
NBKI, SZBKI |
Credit Europe Bank |
NBKI, Equifax, OKB |
|
NBKI, MBKI, Equifax |
NBKI, Equifax, SZBKI, MBKI |
|
Opening Bank |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB |
NBKI, Equifax |
NBKI, Equifax |
|
Promsvyazbank |
NBKI, Equifax, KB Russian Standard |
|
Raiffeisen Bank |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB, SZBKI |
|
Russian standard |
KB Russian Standard |
Equifax, KB Russian Standard, NBKI |
Tinkoff Bank |
NBKI, Equifax, OKB |
NBKI, Equifax, OKB |
Home Credit Bank |
NBKI, Equifax |
NBKI, Equifax, OKB, KB Russian Standard |
UniCredit Bank |
NBKI, KB Russian Standard |
NBKI, Equifax, KB Russian Standard |
Why was my loan denied?
In 90% of cases, financial companies, in particular banks and MFIs, refuse to issue loans to clients due to bad credit history. Loan history with an indication of all violations, late payments, penalties on loans taken for 10 years, is stored in the credit bureau, updated monthly.
In addition, employers have recently started to take into account information from the applicant's credit history! Read more about the impact of credit history when applying for a job. Correspondents of Zaimtime conducted a small investigation to find out how bad credit history affects the employment of citizens.
How do I know my Credit rating?
Find out the credit rating can be done in different ways both online via the Internet and when visiting. You can submit a request during a personal visit to the Central Bureau of Credit Histories, or by sending there a request for verification by mail, after which you will be redirected to specific CI bureaus, where the information you need is stored.
Single credit check with a personal appeal of an individual during the year is free for the borrower. Subsequent calls may incur fees.
There is an alternative way. You can apply for information to an organization that cooperates with all the leading credit bureaus at once. Choose one of the companies presented on our resource, submit a request and receive the necessary data within 1-5 minutes. Online credit history- it's simple, fast, and contains a lot of information. In our material, we told in detail: and how the client's credit rating is calculated.
Doesn't matter is provided credit history for free or for a fee - in both cases, you will receive up-to-date information on all credit products and loans, find out if you are a guarantor of any transactions, and other important information (arrears in alimony, payment of taxes and fees, court decisions on collection, debts on Housing and communal services). In addition, it will help to avoid fraud against you, facilitate the procedure for obtaining a new loan or credit.
Why you need to know your CI:
- trust, but verify - identify mistakes on the part of banks and credit organizations;
- do not fall for the tricks of swindlers who apply for loans using other people's passports and photocopies of documents;
- for confidence and calmness.
The provided report contains the following information:
- debts / loan delinquencies;
- the number of active loans, payments on them;
- debts for alimony, taxes, rent, collection through the bailiff service;
- recommendations on how to fix weak points, which may lead to refusals in lending;
- chances of getting a new loan (score).
Recall that microfinance organizations issue loans on more loyal terms than banks. Having chosen using our site, you can find out how to get loan without credit history check... After all, the main difference between microfinance organizations and banks is the ease of obtaining a loan product (loan). This is a very significant advantage in situations where money is needed urgently. On our resource you can find companies that are ready to issue a microloan even without checking CI, as well as without a guarantee and providing information about the source of income. Of the documents, you only need a passport of a citizen of the Russian Federation, and in just a few minutes you can solve financial issues.
Microfinance companies often issue loans clients with bad credit, and also provide the ability to correct it. All you need is a passport.
We work only with proven and reliable MFIs. You do not have to worry about the confidentiality of the data you provide, they are encrypted and protected in accordance with applicable law.
We hope that with our help you can get even term loan without credit history anytime, 24 hours a day, 7 days a week. Profitable and guaranteed.
If you encounter a problem while interacting with any service posted on our website, please report it to.
The products of financial institutions in our country are in great demand. Many people apply for borrowed funds more than once. Self-monitoring 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 your credit history by last name?
Content
Find out the current list of BKI
The provision of information is carried out when applying with an application to specialized credit history bureaus (BCI).
Nuance! Before sending a request, you should find out exactly where the data about the borrower is stored. Financial organizations have the right to cooperate with two or more BCHs at the same time, so the client's story can be scattered across the databases of several bureaus.
There are about 17 offices in Russia. The complete 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 CRIs is prescribed 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.
It is possible to send a request remotely via the Internet only if there is 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, to restore it, the citizen should contact his creditor bank or the nearest BCI.
Check your credit history for free
The established provisions of Federal Law No. 2018 - FZ "On Credit Histories" entitle borrowers to request a report once a year completely free of charge. Any of the existing bureaus is obliged to provide such a service.
How to check your credit history online for free
To receive a report through the services of the BCI, you can choose any of the options:
- check in person at the office with presentation of your passport;
- send a request by "Telegram";
- send an application in a letter by mail;
- contact the partners of the bureau in person or using online services.
In the first three options, to send an application, you need to spend time and go to the office or to the post office. The ability to send a request via the Internet is available only when choosing the services of BKI partners, but at the same time, a fee will be charged for the provision of data.
You cannot call the receipt of a report through a telegram or letter free of charge, since you will need 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 with them on the official websites.
Available methods of free verification
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 made free of charge, all subsequent ones cost 450 rubles. Through the Internet check the CI here will not work, service for physical. persons do not exist.
The ability to check your credit history online for free has proven to be a myth. A free check is a waste of money or time.
Check credit history by last name
A popular way for modern citizens to check the report via the Internet is to apply for this service to the services - BKI partners. One of the most reliable portals is ↪.
An application for obtaining data is made online via the Internet. The request form requires only the client's surname and passport details. Rating and report are formed within 15 minutes with a detailed analysis of the client's solvency status.
The report contains information on debt obligations and calculated indicators:
- the number of obligations;
- overpayment amounts;
- credit load;
- reliability points to the borrower according to the rating scale.
The service through the Internet conducts detailed monitoring of the 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 the data in a language understandable to each client. In this case, in-depth knowledge of the credit industry is not required for a clear and clear understanding of the picture.
The advantages of accessing the BKI24.info online service via the Internet cover a symbolic fee of 340 rubles.
Regular check of the status of your credit history guarantees that there are no ridiculous mistakes made by banks and that there are no fraudulent actions on your behalf.