Equifax check your credit history. Equifax service - "Credit history online
Choosing a Credit Bureau is not easy. Among the many organizations, EQUIFAX and. Where is it better to go? What is the pricing policy for the provision of services? How to get free online credit bureaus with Equifax credit history?
If you need to travel abroad, there is a need to take new loan, and doubt that it will not be approved for some reason, then contact any BKI. Learn not only your entire CI for last years, but look at the score that will show the degree of credibility of the lenders in you and the possibility of approving or refusing a new loan.
Content
Equifax
Equifax Credit Services- a bureau that forms credit histories of citizens. Sends data to financial companies.
Cooperation with banks
Credit institutions are forced to check the credit history of each client. Today many banks from 17 countries of the world can use EQUIFAX services. Many of the largest financial organizations in Russia cooperate with Equifax:
- VTB 24;
- Gazprombank;
- Promsvyazbank;
- UniCredit Bank;
- Sberbank of Russia;
- Bank of Moscow;
- Renaissance;
- Home Credit;
- Rosselkhozbank;
- Russian standard.
This is just a small part that takes information about potential borrowers at Equifax.
How to get your credit history online with Equifax
Extract from Equifax Online credit bureaus can be obtained free of charge once. All other orders will be paid. For this:
After such numbers, it becomes clear that a free request is not free at all.
- We get information about the history if you still go through the identity verification procedure.
The free online answer of the BKI contains basic information about an individual, open and closed loans, the amount of debt at the time of verification. The banks where the person was credited, the presence or absence of delays, the scoring score 1 - 999 are indicated. This score indicates the risks of interaction with this person. The lower the number, the less likely he will be approved for a loan.
Services and their prices
Equifax offers customers a range of services at the following prices.
Service name | Price | About service |
Report | 1st free; subsequent - 395 rubles. | Providing credit history. |
List of BKI | RUB 295 | Obtaining information from Equifax about the list of bureaus where your data may be stored. |
Annual subscription | 795 RUB | Obtaining information from the bureau on the state of history every month. |
Package of 5 hits | 595 RUB | Obtaining a CI at any time of the year. 5 stories are provided for a year. One order can be made per day. |
Package of 10 hits | 795 RUB | Obtaining information from the bureau on the state of credit history 10 times a year. No more than one request per day. |
Unlimited package for 1 month | 795 RUB | When purchasing a package, you can request an unlimited number of reports from Equifax, but once every 24 hours. |
CI reports are not always complete, since the credit bureau does not cooperate with all possible organizations. Difficulties can arise when trying to get a loan or travel abroad with poor CI.
How to check your credit history in other bureaus
Equifax is the second largest office. The National Bureau of Credit Histories dominates the market. Therefore, another option for verification will be the NBCH. The bureau can provide a credit history to the borrower once a year only offline. For this you need:
- Send a request by mail. The statement, or rather the authenticity of the signature, must be certified by a notary.
- Send by telegram. The postal worker will authenticate the person upon dispatch.
- Visit the office in person. You only need a personal presence and a passport.
It takes from 1 to 14 days to receive, depending on the region where the client is located. Payment for the first report in the reporting year - 0 rubles, subsequent - 450 rubles. Consider additional costs when submitting your application.
If CI is needed urgently
The NBKI partner provides reports online without additional registration, confirmation by a notary and telegram requests. Service is a unique site that will provide a credit history in 15 minutes, after performing the following actions:
- Follow ↪ to the official site.
- Fill the form. Enter your full name and passport data in the appropriate fields.
- Be sure to include a valid email address. It is to her that the online credit history report will come.
- Pay for the service. The cost of a credit report is 340 rubles. No additional costs no.
- Wait for the CI. After receiving the CI on the site, you can leave feedback on the work of the service.
Output
Large banks cooperate with several BCHs at the same time. Therefore, the credit history received from the NBCH reflects the information of Tinkoff borrowers, which simultaneously cooperates with Equifax. What is the best way to find out your credit history online is up to you. But it is not always possible to get a free answer from the bureau.
Equifax Credit Services is one of the representatives of the Russian Bureau of Credit Histories (BCI). The organization was founded in 1899 in the USA; today there are offices in 19 countries. The information held by the Bureau helps financial institutions evaluate the borrower before issuing a loan. At the same time, each client can familiarize himself with the data that is available about him in Equifax.
Bureau Equifax: objectives and principles of work
Equifax was created to accomplish the following tasks:- help credit institutions in minimizing risks;
- prevention of fraudulent actions by borrowers;
- informing citizens and legal entities about the state of their credit history.
To do this, Equifax provides the following services:
- protection confidential information, preventing unauthorized persons from accessing other people's data;
- creation of a database of credit histories;
- timely processing and updating of information;
- providing a report on credit history at the request of the authorized body or the entity itself;
- assisting banks in analytical matters.
The company stores information on the credit history of more than 175 million entities (individuals and legal entities).
The principle of the company's operation is based on cooperation with credit institutions that regularly provide information about their borrowers. Equifax has more than 1,200 partners, relations are maintained on a contract basis.
Equifax online: what a credit report looks like
The borrower's credit history contains all useful information, which can be useful for evaluating a client by a credit institution. The report has a specific structure and consists of three blocks.
1. The first part is called "title". It provides general information that allows you to uniquely identify the customer. For individuals indicate:
- passport data;
- registration and residence address.
For legal entities, the following are recorded:
- Name;
- USRN code;
- registration and business address;
- data of founders, directors, etc.
2. The second part is considered the main one. It is she who contains data on the relationship of the borrower with banks. For each loan, the amount, the date of issue and repayment of the loan, and the term for payment of interest are indicated. The presence of a delay, if any, is recorded here. Equifax displays your loan regardless of whether payments are on schedule or outstanding.
3. The third part is “closed”. It is also called additional. Here is information about:
- the lender who provided information about the borrower;
- users who accessed the customer information.
That is, from the available data, it is possible to draw conclusions about which institutions the client applied to receive loan products.
How to check your Equifax online for free
Each year, each subject of credit history can receive a free report once. Each subsequent document is subject to payment.
The client can order the preparation of the report via the Internet. At Equifax, online credit history can be obtained in this way.
- online using the eID service;
- visit the Bureau with your passport;
- send a telegram via mail to the address Moscow, st. Kalanchevskaya, 16, building 1, floor 2, office. 203.
3. Submit an application to generate a report (this will process Equifax's credit history).
In addition, there are several other ways to apply for a credit report.
- Send by mail an application for the preparation of the report, certified by a notary.
- Visit the Bureau in person with your passport at a prearranged time. You can make an appointment by phone or by sending a letter to e-mail (information is contained in the contacts of the organization).
- Send a telegram to the Equifax office. Specify in the text:
- place and date of birth;
- registration address and actual place of residence;
- passport data;
- phone number;
- the address to which you want to receive the report (postal, e-mail).
The signature of the borrower must be certified by a postal worker (you must have a passport with you).
Equifax credit bureau: how a person can challenge a credit history
If the bank refuses to issue a loan to a client or approves a meager loan amount, this can be explained by two reasons.
- The bank selects clients carefully. New borrowers are offered small amounts for short periods. In the future (if obligations are fulfilled without delays), the borrower can count on a more loyal approach. Refusal may come in the case of a low level of income or the presence of a large number of active loans from the client.
- The borrower has a bad credit history.
Sometimes there are cases when the bank mistakenly enters negative information about the borrower. Therefore, if you received an unexpected refusal from a financial institution regarding a loan, check your credit history. Found incorrect information? It can and should even be challenged! To do this, it is necessary to carry out such actions.
- Fill out an application for making changes (additions) to your credit history. List any points you disagree with. A sample document can be found on the Equifax website.
- Have the application certified by a notary.
- Send the document by mail to the Bureau or submit it in person. Equifax Online Credit Bureau does not accept requests for data disputes.
When the Bureau receives an application, it will send a request to the bank that provided the controversial information about the borrower. If it turns out that a mistake was made, the information will be updated. Equifax will notify the borrower that the issue has been resolved by post or email. The process of checking the data and informing the client about the results takes no longer than a month from the moment the application was received by the Bureau.
If the bank does not change its decision (does not confirm the disputed information), the Bureau receives a refusal. In this case, the borrower can contact the bank directly and understand the situation that has arisen. In case of refusal, the client can file a claim in court.
- get a loan on more favorable terms;
- arrange large amount for a long time.
When applying for a loan, some categories of citizens may be refused money. The main reason for rejection is the client's bad credit history. You can find out about the current state of your credit history or find out how you can fix it at the Equifax credit bureau.
About Equifax
BKI Equifax is a company that was founded in the late 19th century in the United States. At the moment, the company has the status of an international BCI, which has a base banking histories clients from twenty-four countries of the world, this number also includes Russia. Currently "Equifax" is the largest NBCH of all located in Russia. Also, the company directly cooperates with the Central Bureau of Research and Development, located in Moscow.
Services provided to Russian clients:
- Creation, processing and distribution of various bank statements.
- Providing various options to improve your credit history.
- Providing complete analytics in financial and credit areas for banking organizations.
Registration and login to your personal account
Registration process in the BCI "Equifax":
- The first step is to go to the website of the bureau, for this you can use the following link: online.equifax.ru.
- After going to the website of the bureau, click the "Register" button, it is located in the upper right corner of the page.
- Then the registration page will open.
- In the first registration point, the terms of use of the service will be presented, it is recommended that you familiarize yourself with this document. After familiarization, put a tick in the appropriate tab and click the "Next" button.
- Now you need to specify the parameters for future authorization in the bureau. To do this, specify the following parameters: e-mail address (you must specify a real mail, as it will receive a letter to confirm registration), password, phone number. After filling in all the free fields, click the "Next" button.
- At the next registration point, you need to indicate personal data, namely: name, date and place of birth, type of document, number and series of the passport, place and date of issue of the passport. Upon completion of filling in all the free fields, click the "Next" button.
- Further information about the place of registration is indicated. Here you need to enter the following parameters: postal code, region, district, locality, street, house and apartment. Once you have completed filling in all the information, click the "Next" button.
- In the last paragraph, additional information is indicated: gender, education, marital status and confirmation code. After filling in, click the "register" button.
- Now all that remains is to go through confirmation via email and mobile phone.
Personal Area Equifax Authorization process in the BCI "Equifax":
- Go to the website of the Bureau at the following link: online.equifax.ru.
- Click the "Login" button, it is located in the upper right corner of the page.
- Then the authorization window will open. Here you need to enter your email address and password. After entering the required parameters, click the "Login" button.
If the password turns out to be incorrect, you can use the password recovery, for this click the "Forgot password" button.
How to use the service
To use any services of the Equifax service, first of all, you need to register and log in to the bureau's website (how to do this was written above). After authorization, any user can use the services of the service, for this you just need to go to the "Services" section.
What services does the service provide:
- Free one-time credit report... Here you can get complete information about current history on loans within a few minutes. When ready, the report can be downloaded in the "My Products" section.
- Subscription to receive reports. You can purchase a subscription for 5-10 credit reports or subscribe to an unlimited monthly subscription. All subscriptions are generated in the "My subscriptions and package offers" section.
- Change in credit history. Correct credit history cannot be changed in accordance with Russian legislation... However, there is an opportunity to improve the credit history, for this it is necessary to repay on time credit debts... If you find any mistakes in your credit history, you can send an application for correcting the CI. Bureau employees will check the information received and transfer it to the place where the client's credit history was formed. You can apply in a special section "Online credit history".
How much does it cost to get a credit history?
As mentioned above, the Equifax BCI gives its clients the opportunity to receive a free initial report on the current status of the CI. To receive further reports, you will need to pay for this service.
Credit history registration cost:
- Buying a package to receive 5 reports costs - 595 rubles. 119 rubles.
- Package cost from 10 reports is - 795 rubles. In this case, the cost of one document is - 79.5 rubles.
- Annual subscription it costs to get credit histories - 795 rubles up to 12 reports61 rubles.
- Unlimited subscription cost for obtaining credit histories within one month is - 795 rubles... In this case, it will be possible to issue up to 30 documents... Thus, the cost of one document will be - 26 rubles.
The official service of the Bureau of Credit Histories "Equifax" is open to cooperation with citizens of the Russian Federation. As a leader in the segment, the company in 2012 launched an online service for checking the credit history of individuals living in the Russian Federation.
- Credit report preparation... Upon initial contact, the report is prepared free of charge. With each repeated call, the client pays for the company's services in the amount of 395 rubles. It is possible to purchase a package service. The cost of the package service depends on total requested reports.
- Getting the list of KBI... Your credit history can be stored in several CBIs at the same time. A list of bureaus that have your credit history can be obtained by paying a lump sum for the service in the amount of 295 rubles.
- Change in credit history... If you find information in your own CI that does not correspond to reality, the company will help correct the situation. The cost of making changes to the CI is 995 rubles. If you apply again - 595 rubles.
- Drawing up an action plan for obtaining the status of "ideal borrower"... The cost of the service is 535 rubles.
- Scoring control - package offer... For 1 year, you will receive notifications about the change in your score. The cost of the service is 425 rubles.
- Fraud protection. The cost is from 395 to 495 rubles per year. When applying for new loans in your name, you will receive a notification to your phone number or to the address of your mailbox.
Credit History Bureau "Equifax" - cooperation algorithm
- Registration on the service website.
- Service selection.
- Payment.
Payment can be made in one of the following ways:
- from a personal wallet registered in the Yandex.Money system;
- through the online banking system from a card account.
In Equifax, online credit history is available to all citizens, but there is important rules receiving it. Study the instructions and find out the nuances of contacting the organization.
Content
History
Equifax is a large Russian credit bureau, cooperating with more than 2000 financial and credit institutions including banks, private lenders, MFIs. More than 216 million CI of individuals are stored here, which makes it possible to provide citizens with a complete, reliable and constantly updated database.
Interesting fact: in 2012, Equifax launched an online service for remote verification and became the first CRI to provide such services.
How to find out the CI
Bureau "Equifax" credit history is issued online free of charge upon request. To obtain, follow the instructions:
- Go to the official website of the BCI. The address in the worldwide network is www.equifax.ru.
- Register in the portal by creating an account. On the main page, at the top, find the section for individuals, enter it, select "Obtaining a credit report" from the list of products, and on the page that opens, click on the button for obtaining a CI. You will be taken to the online service portal: create a password with a login for full access to your account and completely fill out the registration form by entering the requested data in the fields.
- Go through personal identification. It is needed to ensure the confidentiality of data and to ensure that the information is requested by you and not by a third party. You can verify your identity in several ways: using the online service "eID" or payment system"Contact", providing the personal details of the current account, sending a telegram to the BCI or visiting the office in person.
- In case of successful identification, you will get access to the functionality of the "Online Credit History" service. Log in to your account, order the first report. It will be free once, subsequent requests for CI will cost 395 rubles.
Equifax offers other services that allow you to assess debentures... Correction of CI in case of detected inaccuracies will cost 995 rubles. Protection against swindlers and fraudsters, which involves notifications about new loans issued on your behalf, costs 395 or 495 rubles in Equifax (depending on the method of notification). Online in "Equifax" you can order scoring control - monitoring the rating once a day to track changes, and its cost is 425 rubles.
If you want to check your credit history periodically or regularly online through Equifax, order a package of five or ten packages, and the price of services is 595 and 795 rubles, respectively. An annual subscription is provided for monthly reports. In this case, the cost of 12 requests for a credit history will cost 795 rubles.
Report features
The online credit history obtained in Equifax will allow you to solve problems with lending for free, keep abreast of debts, assess the chances of banks being approved when applying for loans, learn about agreements concluded by fraudsters and identify inaccuracies in CI that affect the decisions of financial institutions.
Report - a document reflecting the CI, which covers generalized information about debt obligations: closed contracts, existing debts. The reports are formed on the basis of information from credit institutions cooperating with Equifax and transmitting information to this bureau.
CI is used by banks and MFIs when deciding on the disbursement of funds and assessing the solvency of potential customers. After receiving the report, you will learn and appreciate:
- the likelihood of your loan application being approved;
- affordable lending conditions: borrowers with good CI have loyal requirements, they have access to reduced interest rates and other privileges;
- reasons for bank failures;
- facts of fraud (if you see in the report information about loans that you have not personally completed, you will be able to identify the fraudsters' machinations);
- the correctness and correctness of the information included in the CI (mistakes made affect the credit rating, and at the request of the client, Equifax will contact the lender that provided the information for clarification and necessary adjustments).
In Equifax, online credit histories can be obtained after completing the registration and identification procedures. The first report is free, and it contains information characterizing the borrower and used financial institutions when considering customer applications. Find out how to get a report for free in the largest BCI in Russia.
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