How to get your own credit history for free? How to find out credit history? Where and how to check your credit history.
Since 2005, a single bureau of credit files has appeared in Russia. Now the lender knows how to find out the credit history of a potential borrower. These organizations collect all information about bank customers who used lending services.
Thanks to BKI financial institutions can protect themselves from the risks of default and provide loans only to reliable clients.
How to find out credit history quickly?
Any individual citizen or bank can find out about previously issued loans. Information can also be provided on how the loan was repaid, whether there were debts. At the same time, it must be taken into account that a citizen can only find out his own dossier.
You can get your credit dossier free of charge only once a year. When you apply again, you will have to pay a fixed amount.
If the borrower knows his personal code, which was assigned to him at the conclusion, then you can find out your credit history via the Internet. To do this, you need to go to the official website Central Bank, in the "Catalog of credit histories" section. In this section, you must enter your own and digital access code to the dossier. This is the fastest and easiest way to check your credit history.
Where can I find out my credit history if there is no personal access code?
If you do not know the personal code, you must send a letter with the data and signature to central bank(a sample letter is presented on the official website of the bank) and wait for a response. The Central Bank will send a response letter, which will indicate the address of the bureau where your data is stored.
But how to find out knowing only the address of the BKI?
You can contact the bureau at the address of the location. You must apply in person with your passport. A written request will need to be completed in order to obtain a history. In response to a written request, information will be provided within a week.
If there is no time to wait and this method it seems difficult for you to obtain information, you can simply contact the bank that recently refused you. At the time of applying for a loan at the bank, you can always write an application in which you ask to familiarize yourself with your dossier. So you can get several times information on your own debts for free.
What to do if you find an error?
Unfortunately, banks sometimes make mistakes. This happens in most cases due to slow work: the borrower closed all his obligations, and the bank did not provide data to the credit bureau.
As a rule, the borrower falls into the "black list" in case of violation of the payment terms. But when he corrected his situation and repaid the mandatory payments in full, he still continues to be listed as a dishonest borrower. Information does not have time to update instantly. In this case, it is necessary to provide the bank with documentary evidence that the debts have been repaid, and contact the CBI to make changes. You can check the changes after a few days. After all, how to find out your credit history is no longer a secret for you.
Once a year, the borrower has the right to request his credit history (CI) free of charge. However, if you study existing ways receiving a report, it turns out that it is difficult to do this without money, but still it is possible and Sravni.ru will tell you how.
Experts advise checking your credit history 1-2 times a year. Firstly, the approval of loans in the future depends on its quality. interest rate by them. If the bank messed up something, then this can become an obstacle to obtaining a new loan when it is needed.
When a borrower applies for a loan, the bank sends a request to the credit bureau. This is necessary to find out if the client has made any delinquencies on past loans, as well as to assess his current debt load.
Secondly, it allows you to track if any fraudster has issued a loan in your name, and this happens.
Before applying for a CI, you need to find out in which credit bureaus (CHIs) it is stored. The fact is that today in Russia there are 21 BCIs. And the bank could send it to any of them or even to several at once. And if the question arose of checking your history, then you need to check the information in all bureaus (it may vary, since different banks cooperate with various BCIs).
How can a borrower find out where his CI is stored?
You can find out in which bureaus the information on the borrower is collected only through the Central Catalog of Credit Histories (CCCH). If the borrower knows his subject code credit history, then he can do it to the Bank of Russia.
The code of the subject of credit history is a set of alphabetic and numeric characters invented by the borrower at the time of applying for a loan. It serves as a PIN code for online access to the CCCH database.
If the code was not generated or the borrower forgot it, then get necessary information over the internet is no longer possible. You will have to personally go with a passport to the bank, any credit bureau, Postal office, microfinance organization, credit cooperative or to a notary and through them send a request to the Central Bank.
The Central Bank does not provide borrowers with a credit history itself, it only provides a list of credit institutions in which it is stored.
By the way, when contacting a bank or credit bureau, the borrower can create new code subject of credit history for their future requests. But institutions can provide this service both free of charge and on a paid basis.
What are the ways to get CI?
Once a year, the borrower has the right to receive his credit history free of charge. The question immediately arises, what if the information is stored in several bureaus? “Each bureau will provide one credit report free of charge,” Equifax BCI commented to Sravni.ru.
You can get your report in each bureau in several ways:
- send a request by mail, but the application must be certified by a notary;
- send a request by telegram;
- through the online services of the partners of the bureau;
- contact the office of the organization that cooperates with the bureau (a list of them can be found on the website of the bureau);
- personally apply to the office of the BKI with a passport.
But most of these methods can be called free only conditionally. Certification of a signature by a notary in Moscow costs 900 rubles, you will also have to pay for sending a telegram (281 rubles for the inscription “certified by a telecom operator” and 2.8 rubles for each word).
Partners of the bureau will charge a fee for intermediary services - about 400 rubles. It remains only to go to the bureau in person. The downside of this approach is that BCIs work only on weekdays from 9:00-10:00 to 17:00-18:00, so you have to take time off from work.
Why is it so difficult to get your credit history for free?
As noted in Equifax, the current methods of obtaining credit report, indeed, act as a protective barrier, especially for citizens who do not live in Moscow and the Moscow region. “We had appeals from citizens who also considered the transport costs for trips to the bureau,” the bureau says. - Even if you wish, it is unrealistic to go around all the BCIs, because. many of them are located in different cities. The largest BCIs are concentrated in Moscow, and for the regions, the way to apply to the BCI is also difficult to access.”
But from a security point of view, the difficulty of obtaining a CI is justified. As experts explain, information from a credit history should be available only to its subject, therefore, when requesting a credit report, identification of the subject of the credit history is required. “Otherwise, anyone could have access to the information of the subject of the credit history: spouse, matchmaker, brother, parents, scammers - everyone who has personal data of the subject of the credit history,” the BKI emphasizes.
Getting a credit history in practice
Step 1. We find out in which bureaus the credit report is stored. I did not have a credit history subject code. So the first thing I did was call the bank that issued my credit card (the only loan product I have ever applied for), where I was informed that such a request to the CCCH, as well as the creation of a code, would cost 350 rubles. Since my goal was to find out my credit history absolutely free of charge, I had to go look for another bank to send a request.
First of all, I decided to go to Promsvyazbank - the choice fell on him only because he was the closest to me - his office is located on the territory of the business center where I work. And I was immediately lucky - it was possible to send a request for free. The only thing was that I had to wait about 15 minutes until the department employee found the application form itself - they are rarely contacted for this service.
A bank employee made a copy of my passport and asked me to fill out a form that combined both the request to the Central Control Commission and an application for creating a credit history subject code (in addition to the passport data, it was also necessary to indicate SNILS and TIN).
The next time I want to receive information from the CCCH, it will be easier for me to do this, since now I have a credit history subject code, the main thing is not to forget it.
The bank accepted my application at about 15:00, the next day at the same time (that is, no more than a day passed) they called me from the bank and asked me to come for an answer (there was a slight hitch - the answer should have been sent to the e-mail that I indicated in the application, but for some reason he entered the bank office, to go close - so it's not so scary).
From the response to my inquiry, I learned that my bank sends information about my credit "well-being" to three credit bureaus - the National Bureau of Credit Histories (NBKI), Equifax Credit Services and the United Credit Bureau (UCB).
In principle, you could try to find out information about the bureau in your bank. But, firstly, the bank can, but is not obliged to provide information about this. And, secondly, if the purpose of checking the CI is to find out if any fraudster has issued a loan for you, then this method will not work, the attacker could have received borrowed money from another credit institution. So the best thing is to get an official answer from the CCCH.
Step 2. We go to the BKI website. And once again we study information about services for private clients.
The site should describe in detail all the ways to obtain a CI. Perhaps there will be another free option on this list, besides a personal visit. In my case, this pleased Equifax. He has a special online service, but to use it, you need to identify yourself again. The process is not the easiest, but saves time on the road.
How to get a report for free through the Equifax online service?
To access my CI online, I had to register on the resource. To do this, I indicated my full name, passport details and email. Next is the process of my identification. There are 4 ways to get through it:
- send a telegram (again, for a fee, so I didn’t consider this option);
- personally come to the office of the bureau (but then you can personally immediately receive a report, so I didn’t consider this option either);
- verify identity at the office payment system Contact (the service is paid - 180 rubles, so this option was not considered);
- use the free eID service (it generates questions for the borrower based on his credit history).
eID turned out to be the only suitable option for me. I chose it and the service generated five questions. Among them:
- Which of the proposed values is closest to credit limit approved for your card?
- which range is more in line with your current card debt?
- what date is closest to the full repayment date of the car loan in bank N (a trick question, since there was no car loan in bank N)?
Each question was accompanied by several answers, but none of them indicated the exact numbers - only an approximate range. The user has only three attempts to correctly answer all questions. If you do not pass the test successfully, you will have to personally go to the office. I succeeded just for the third time (the fact is that the bank does not send information to the bureau immediately, but with some delay, so if today the debt on the card, for example, is 10 thousand rubles, and a few weeks ago it was 15 thousand rubles, then in the answers you need to choose a range closer to 15 thousand rubles, I got burned on such “mistakes”).
Time for answers is limited to 10 minutes. After a successful attempt, it was necessary to print out the consent to the processing of personal data, sign it and make a scan, as well as send a scanned copy of the passport (to personal account it is possible to attach files). Further, the service announced the need for verification, which may take several days. But in fact, I got access to ordering my first free credit report an hour later.
The report was sent to your email as a link to a PDF file.
Step 3. If there are still no other ways to get a report for free, then we look for contacts and a schedule for receiving citizens on the BKI website. The central office of the BKI and the office where an individual can get a credit history is not always the same place. So you have to be careful. For example, the main one is located in the center of Moscow - st. Bolshaya Nikitskaya, house 24/1, building 5, entrance 3, and the office for accepting borrowers is already located near the Vladykino metro station at the address: Novovladykinsky pr., 8, building 4, entrance 1.
Step 4. We go to the office of the bureau, not forgetting to take our passport with us. The road from work to the NBKI office took me about an hour. The process itself is less than five minutes. It was enough to show your passport and fill out an application. While I was filling out the required fields in the form, the bureau employee found me in the database and printed out a credit report.
That's actually all. It remains to visit the next bureau in the same way. You can get a credit history absolutely free of charge at the address: Moscow, 2nd Kazachiy lane, 11, building 1.
In total, the process of obtaining a list of all the bureaus where my credit history is stored, and the requests themselves, took three days. I wonder if I had chosen more convenient ways obtaining CI, the duration of the process would still not be reduced. When contacting the BKI in person, the report is provided to the borrower immediately, and if through other channels, then within three days. It's all about convenience and travel time.
After receiving your credit report, you need to carefully study it - whether any mistake, typo or extra credit has crept in. If an error is found, you can consult with the BKI employee on the spot about how to correct incorrect information. There are two options: write an application to the bureau, then the BCI will contact the source of incorrect information and ask to double-check it, or the borrower can directly contact the bank or MFI that sent the erroneous information. If the error is confirmed, then the story will be corrected. Most likely, you will need to attach documents confirming the inaccuracy to the application, for example, receipts for paying the loan on time. Therefore, it is very important to keep such papers.
What is credit history
Credit history (CI) is data about received credit products and how they were repaid. The subject in this case is a legal or natural person (including individual entrepreneur), which is the borrower. The report also contains information about judicial penalties (if any), alimony, delays in payment of housing and communal services, mobile communications, fines traffic police and tax collection.
That's why every citizen Russian Federation has a credit rating regardless of whether he applied for a loan product earlier or not. A credit history stores all information about debts both in banks and in government agencies.
Where is credit history stored?
Almost all credit histories of Russians are stored in the four largest credit bureaus:
- JSC "National Bureau of Credit Histories" (NBKI).
- CJSC "United Credit Bureau" (UCB).
- Equifax Credit Bureau.
- LLC "Credit Bureau Russian Standard".
To find out in which office is kept Your credit history, you need to know yours credit history subject code, which is formed when concluding a loan agreement. By sending a request to the Central Catalog of Credit Histories (CCCH) or through the website of the Bank of Russia indicating credit history subject code, You will receive a list of bureaus.
If you have not generated your own special code for the subject of a 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 - just contact one of CI verification services online, which cooperate with all credit bureaus, for example, through services or etc.
Where do banks and MFIs send credit history?
Some banks work with one bureau, other companies can work with several at the same time. Here's an example:
Bank's name |
Where sends |
Where does the request |
Sberbank |
Equifax, OKB, SZBKI, MBKI |
NBKI, Equifax, OKB, SZBKI, MBKI, KB Russian Standard |
Vanguard |
NBCH, Equifax |
NBCH, 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 |
NBCH, Equifax |
NBCH, 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 |
NBCH, 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 customers 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 a credit bureau, updated monthly.
Besides, in recent times employers began to take into account information from the applicant's credit history! Read more about the impact of credit history when applying for a job. Zaimtime correspondents conducted a small investigation to find out how bad credit history affects the employment of citizens.
How to find out your Credit score?
Discover credit rating can be done in many 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 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 history check in personal contact individual during the year is free for the borrower. Subsequent calls may be subject to a fee.
There is an alternative way. You can apply for information to an organization that cooperates immediately with all leading credit reference bureaus. Choose one of the companies presented on our resource, submit a request and receive the necessary data within 1-5 minutes. Credit history online- it is simple, fast, and contains a large amount of information. In our material, we described in detail: and how the client's credit rating is calculated.
Doesn't matter 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 act as a guarantor of any transactions, and other important information (debts on alimony, payment of taxes and fees, judgments on recovery, housing and communal services debts). In addition, this will help to avoid fraud against you, and will facilitate the procedure for obtaining a new loan or loan.
Why you need to know your CI:
- trust, but verify - identify errors on the part of banks and credit organizations;
- do not fall for the tricks of scammers who issue loans using other people's passports and photocopies of documents;
- for confidence and peace of mind.
The provided report contains the following information:
- debts/arrears on loans;
- the number of existing loans, payments on them;
- arrears in alimony, taxes, rent, recovery through the bailiff service;
- recommendations on how to fix weaknesses that may lead to loan denials;
- chances of getting a new loan (scoring score).
Recall that microfinance organizations issue loans on more loyal terms than banks. By choosing using our platform, you can find out how to get loan without credit check. After all, the main difference between microfinance organizations and banks is the ease of obtaining a credit product (loan). This is a very significant advantage in situations where money is needed urgently. On our resource you can choose companies that are ready to issue a microloan even without verification CI, as well as without a guarantee and providing certificates of the source of income. From the documents you need only 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 history and provide an opportunity to fix it. All you need is a passport.
We work only with proven and reliable MFIs. You can not 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 will be able to get even urgent loan without credit history anytime, 24 hours a day, 7 days a week. Affordable and guaranteed.
If you encounter a problem while interacting with any service hosted on our website, please report it at .
The state of credit history (CI) for many is a factor in the very possibility of obtaining bank loan or microloan. For everyone potential borrowers this becomes a key aspect of lending on certain conditions, helping to form a certain benchmark in the loan parameters that you can count on. Finally, knowing your financial and credit history is just interesting in order to get an objective picture of the facts of your fulfillment of credit obligations in the past, to understand how conscientiously you treat your financial obligations.
Your own CI is available to everyone, and you can request and receive it as many times as you like. However the right to know the credit history is free of charge provided only once a year, and, unfortunately, not all systems and services provide such an opportunity.
How to find out your credit history
Today, there are a large number of options to find out your CI in the most convenient way:
- Apply in person to the nearest bank or BKI (credit bureau). To apply, you will only need a passport. It does not matter whether you have previously taken a loan or not, whether you are a client of a particular bank or not. If you are applying for the first time or have never applied on this issue for Last year all information will be provided free of charge. However, some banks charge a fee for this service if the applicant is not a customer. This does not contradict the law, since the free provision is an obligation provided for the BKI.
- Make a request on the bank's website, that is - get a CI through the Internet. In this case, registration is required, and access to the bank's website can be limited only to its customers. In addition, not all banks provide such a service, for example, Sberbank has recently connected it to its Internet banking service.
- Submit an application by mail in the BKI, having previously determined on the website of the Central Bank where to find out the credit history for a specific person, that is, in which bureau or several bureaus your history is stored. An application sent to the BKI necessarily requires notarization in order to prevent the receipt of other people's personal information, so it would not be entirely correct to talk about the complete free of charge service.
- Use any of the many online services that offer credit history services online. In this case, the cost of services varies quite widely, but everything is not very expensive - usually within a few hundred rubles. It is important to consider that all specialized Internet resources are not suitable for those who want to get a credit history for free, even if the condition of applying once a year is met.
What is required to obtain a CI
To obtain a credit history (CI), you first need to find out if it exists and in which BCI it is located. This can be done free of charge and quickly through the website of the Bank of Russia (Central Bank), for which you will need to use a specialized service and step by step go through all the stages of generating a request.
To access the data of the Central Bank, you need:
- Passport data (information is provided by last name, name, patronymic, series, number and date of issue of the passport).
- The email address to which the information will be sent.
- CI subject code.
Subject code - unique identificator(alphanumeric set), which is assigned (generated) to each borrower who has received a loan at least once. Many banks issue a code when applying for a loan as an annex to the agreement. If the code was not received, not known, lost, etc., then it will have to be obtained (learned) again. Unfortunately, without it, online access to confidential information any BCI will be closed.
To get the code, you can:
- Apply to your lending bank. It's free.
- Use a paid Internet service for obtaining a code. This is often impractical, since it is easier to immediately pay for the service of obtaining a credit history.
- Re-generate the code at any bank or BKI, which implies either a personal visit or use paid service True, even during a personal visit they can take a certain amount.
You can get around the need to use a code only if you send a request to the central catalog of credit histories through the CBI, bank, MFI, notary, etc., however, it is easier to immediately make a request for a credit history in this case - it will be faster and cheaper.
The answer of the Central Bank is only important if you want to know exactly which BCIs have your history and whether it exists at all, and also get all the data online. The information is sent to an email address. If these points are not fundamental, you can make it easier - contact a specific CBI (or several), any bank, or use any of the paid services for obtaining a CI.
The absence of a CI subject code in itself is not an obstacle to claiming a credit history, but it limits the possibility of obtaining it in in electronic format(online). In any case, a passport is the main and only document that is required to provide data to their BKI.
Features of obtaining CI depending on the method
To date, three main directions for obtaining CI have been formed:
- Personally come to the bank or KBI and apply. Relatively fast, you only need a passport, it is possible to get it for free, but it is far from always convenient, it takes time, and if you apply to the KBI, you need to know which one.
- Online, over the internet. On the website of the CBI or the bank, if the service is provided, or through specialized resources. The service is paid, but the amount is small, you can request a history at any time. Restriction - the need for a code of the subject of CI. The advantage is the speed of obtaining information. If you contact the KBI, you can also use some useful services, for example, a scoring test (checking for the possibility and conditions of lending), adjustments to the CI, SMS informing about changes in the CI, assistance in correcting the CI, and others.
- Through the Russian Post, by sending an application to the BKI, for which you need to know which bureau to address the request to. The service is provided free of charge, but the application is certified by a notary, which entails costs, in addition, you will need to pay for postal services. The disadvantage of the option is a long wait for receiving a CI. advantage is the most The best way if you need to get a history for free, and the bank or KBI is far away.
As you can see, there are no ideal options and you have to sacrifice something - either money or time. Therefore, you need to choose what will be optimal for you. It should be noted that a CI can only be obtained for oneself, for which it is necessary to provide either a passport, or a code of the CI subject, or both. However, if you intend to allow someone to access your history, then you will need to obtain the so-called additional subject code, but it is valid for a strictly limited time.
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 both 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 a select few. 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 profile, but also compile a credit rating based on it. 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.
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