How to check credit history of Sberbank. How to find out a credit history in Sberbank of Russia
Checking credit history through Sberbank. Who has the right to see CI. How much does a check cost. Is it possible to check CI for free. What can be learned from CI.
Check your own credit history preferably regularly, even if you do not have active loans. Credit history checks allow you to get information about whether it contains negative information about you as a borrower that can appear there and through no fault of your own - due to technical failures, errors of bank employees and other creditor organizations or due to illegal actions of fraudsters. If it turned out that a loan was issued to you without your knowledge, checking your credit history will allow you to find out about this in time and take action. One way to check is with the help of Sberbank. We figure out how to take advantage of this opportunity and to whom it is available.
How can I check my credit history
In 2019, the following methods of checking credit history are available to Russian borrowers:
- upon personal contact with the credit history bureau (BKI), where it is stored;
- a notarized letter to the BKI, where your history is stored;
- telegram certified by mail to the BKI;
- online on the BCI website with authorization through an account on the public services portal, if this method of identity verification is available in a particular BCI;
- through an intermediary specializing in the provision of services for assistance in checking a credit history;
- through the Sberbank Online system, if you are a client of Sberbank of Russia.
In 2019, there are 13 BCIs in Russia. But the credit history is not stored in each of them, but in those with which banks cooperate, where a person took loans. Usually it is no more than three bureaus. There is no point in going to others. You can find out in which credit bureaus your credit history is stored in Central directory credit histories (CCCH). You can do this in the following ways:
- online on the website of the Central Bank, if you know your credit history subject code;
- by sending a letter with a notarized signature to the CCCH;
- telegram certified by mail;
- through any bank, credit cooperative, microfinance organization (MFI), BCI or intermediary company;
- through the public services portal, if there is a verified account on it.
Since 2019, every Russian borrower has the right to check his credit history twice a year for free in all credit bureaus where it is stored. If your credit history is stored in two credit bureaus, you have the right to check it twice in each of them for free. But most verification methods still involve costs for the service itself, if the BCI request is made through an intermediary, including Sberbank, and related services - notary services for signature verification, postal and telegraph communications, and the like.
It will be possible to check your credit history completely free of charge if you request information about the bureau where it is stored from the CCCH online using the code, if you know it, or through "Gosuslugi", and log in to the BKI using your public services account. This is the option I usually use.
How to find out your credit history (video)
Pros and cons of checking credit history in Sberbank
Checking your credit history with Sberbank has the following advantages:
- simple confirmation of identity that does not involve costs - just log in to Sberbank Online;
- a quick result - a maximum of a day, while offline methods mean up to three days from the moment a request for its processing is received and the time to send the request itself and the response of the CBI;
- the ability to make a request and get the result without leaving your computer.
But there are also disadvantages. We list the main ones:
- the opportunity to use this method is available only to Sberbank customers - holders of salary, debit or credit cards, deposits, borrowers on loans, and so on;
- credit history is requested only in the United credit bureau(OKB), with which Sberbank itself works, if your credit history is not in the OKB, the service does not make sense for you, you will have to request your history from other BKIs, if it is stored there, separately;
- the service costs money, even if you haven't reached your yearly limit on free requests.
Who is entitled to request a credit history through Sberbank
The law does not restrict access to credit history only to its owner. It will become available to everyone else only with his consent. The standard application form for a loan or insurance policy, including those submitted online, usually includes consent to access to a credit history.
But through Sberbank you can only check your own credit history. Another person is impossible, even if he agreed to it. In this case, other verification options must be used.
How to check your credit history in Sberbank Online
To check your credit history at Sberbank, the following sequence of actions is recommended:
Credit history check is available only in the browser version of Sberbank Online. Across mobile app the service cannot be used.
How much does it cost to check a credit history in Sberbank
The service of checking a credit history through Sberbank is paid. In 2019, it costs 580 rubles. It is impossible to check a credit history for free even within the annual limit, since it applies only to the services of the BCI, but not to the intermediary, in which the bank acts in this case. If an intermediary is involved in the verification, his services are in any case paid separately.
I myself, although in Sberbank I have a salary and credit card Haven't used this service yet. So far, two free ones a year are enough. But I do not rule out that I will resort to it if additional verification is required - for example, I decide to take new loan though I try to avoid them.
How to read your credit history
A credit history requested through Sberbank looks like this. โ
The credit history in Sberbank Online contains only general information about your loans, for more detailed information you need to download the full version by clicking on the appropriate button
The credit history from the OKB that you receive in Sberbank Online contains the following information about you as a borrower:
- Your credit rating, calculated according to the OKB methodology. Each BCI calculates this indicator in its own way, and the bank or other potential lender simply takes them into account, and makes a decision based on scoring (the so-called assessment of potential borrower, influencing whether to give him a loan, and if given - on what conditions) according to his own methodology. Your rating in other credit bureaus is also taken into account if your credit history is stored in more than one. But in any case, the higher your rating, the more likely it is to be approved. loan application and the more loyal the loan terms you can count on.
- Information about current loans - how much you owe, to whom, what was the original loan amount, are there any delays, if so - how long.
- Information about the loans that you closed - how much and whom you borrowed, whether there were any delays, whether the case went to court, and so on.
- Details of everyone who has requested access to your credit history - who and when. Usually your credit history is of interest to potential lenders to whom you applied for loans, Insurance companies that you contacted about their products, and employers. If you see that your CI was requested by organizations or people that you did not contact and did not give consent to access to it, this is a reason to figure out what's wrong.
The ability to get a credit history from the OKB with the help of Sberbank is one of the ways to check it, available to any client of Sberbank. Simplicity and quick results speak in its favor. Of course, if you are not a client of Sberbank, it hardly makes sense to become one just for the sake of additional opportunity check credit history. There are plenty of other paid and free options. But if you already use Sberbank products, why not?
Via credit history service provided by Sberbank jointly with United Credit Bureau CJSC (hereinafter referred to as OKB), you can order a credit report - a document that reflects your credit history, that is, generalized information on credit obligations and their current status.
Attention! The credit report is provided by the bureau and contains only information that is kept by the bureau. If the OKB does not have your credit history, the Credit History service will be unavailable.
For receiving credit report do the following:
- Go to the Credit History page in one of the following ways:
- From the main menu, select Credits, and then click the link Credit history.
- From the main menu, select Other โ Credit history.
- On the home page click banner Find out your credit history now(if this banner is displayed).
This will open the information page. Credit history with credit report description and button Get a credit history to go to the order of the report.
Note. Information page with credit report description and button Get a credit history only displayed before the first credit report order. If you have already received a credit report, a viewing page will open with the option to download a detailed report in PDF format and the Update Report button, which is displayed in the upper right part of the page when it becomes possible to update the report.
- Perform one of the following actions:
- If this is your first time requesting a credit report, click the button Get a credit history.
- If this is not your first time requesting a credit report, click the Refresh Report button that appears when the report can be updated.
As a result, the details page will open.
Note. At the top of the page, for your convenience, an indicator of the steps to obtain a credit report is displayed.
- Listed Withdrawal account select a card to pay for the service. Then click the Pay button. This will open a confirmation page.
- Check your payment details and follow these steps:
- Read the contract for the provision of services for the provision of a credit report. To do this, scroll down the document viewport scrollbar or click the link Open the terms of the contract in a new window. If you agree with the agreement, check the box I agree with the contract for the provision of services for the provision of a credit report.
- Read the conditions for the transfer and processing of information from a credit report. To do this, click the link with the conditions in the field name I agree with the terms of the transfer and processing of information from the credit report. If you agree to the terms, check this box.
- Click the button Confirm by SMS.
- In the window that opens, in the field Enter SMS password enter the one-time password and click the Confirm button.
As a result, the request review page will open, which displays the payment details and the status of the receipt of the credit report (for example, "Completed").
After the report is generated, the page will open automatically. Credit history with your credit report.
To download the detailed report in PDF format, click the link Download my credit report from... at the top right of the page.
Banks issue loans only after a thorough check of the clients who applied for money. Knowledge of credit history helps a person to objectively assess the chances of receiving money. IN big banks credit conditions are more profitable, but the check is more thorough, in small ones - less attractive conditions, but a more loyal attitude. With an inappropriate credit history, only the second option shines.
You can quickly check your credit history and find out your credit rating online directly on the site.
Why you need to know your own rating
Data on people received from various financial institutions is stored in the credit reference bureau (BKI) for 15 years. Registration of such a dossier is carried out after the first use of any credit service in the country. When you apply somewhere for a loan, the company's specialists contact the service to obtain information about you.
There are various ways to understand the rating, find out the credit history in Sberbank Online becomes the fastest and most effective of them. The most common reasons for requesting data are:
- preliminary study of the rating before applying;
- clarification of the reasons for the refusal received in financial organization.
More recently, it was possible to request information about one's own credit history only by contacting the bureau directly.
This service is currently running different ways, including through Sberbank Online.
How to check your credit history
Currently, there are about 30 BKIs, but the Sberbank Bureau is characterized by the most complete base. Information for him is collected by the United Credit Bureau, which becomes a guarantee of relevance and reliability.
There is nothing complicated in the procedure itself. To find out your credit history in Sberbank Online, you will need to follow these steps:
- Log in to your personal account on the website (enter identification data);
- Find "Other" in the top menu, click to drop the vertical list;
- Click on the inscription "Credit history";
- On the next page (which will open after the previous click), click "Get a credit history";
- Enter the debit account on the page that opens Money to pay for the service;
- Confirm payment;
- Receive a document (it will take a couple of moments to compose and send it).
The service is provided on a paid basis, the recipient of the payment is the United Credit Bureau. This is necessary to cover the costs required to maintain the database up to date. The cost of the service is now 580 rubles, this is an adequate price for information that will be important.
The operation is confirmed using a special password. If payment for the service is made with a card, SMS will be sent to the phone number that is linked to it. All actions are identical to those performed with other purchases that require confirmation. This protection is necessary so that third parties cannot gain unauthorized access to personal information.
What can be learned with this service
Current legislation regulates the provision of information relating to credit history. The data is personal in nature, so it can only be obtained after passing through the identification process. Other physical and legal entities, individual entrepreneurs have the right to obtain a credit history only with personal consent, confirmed by the relevant documents.
The BKI file for each person contains a list of all loans ever received that require payment and paid in full. You can find out payment dates by month, past due dates, accrued penalties for non-compliance. If the payment of loans has been brought to trial, such information is also stored for 15 years and is provided to customers.
After paying for the service, Sberbank will provide the following data:
- credit rating;
- a list of paid and pending loans;
- information about each loan taken;
- list of organizations applying for this dossier.
A credit score is a numerical value between 1 and 5, where 5 would be ideal. If the rating is lowered, you will clearly see the reasons why this is done. A reasoned assessment allows you to assess its objectivity. If you have not used the credit services, the rating should have a maximum value. When they refuse at the first application for a loan, it is worth checking the reliability of the dossier in the database.
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The document provides a lot of additional information. After clicking on the name of any loan from the list, a window will open containing the following data:
- purpose of lending;
- the date of the loan;
- maturity date;
- the amount of monthly payments (terms for making each of them);
- the presence of delays (with a detailed analysis of the duration and regularity);
- displaying the accrual of penalties.
Don't despair if you have a low individual credit score. Values โโof 2 and 3, even 1, will not be a 100% reason for refusing to provide a credit service. The bank may take into account your current prosperous state, solvency. Lending will remain available, but will be offered at higher interest rates.
A bad reputation does not become an eternal punishment, data storage only concerns the period in the last 15 years. If you are sure that a negative credit history is the result of a technical error or other reasons that are not related to the real state of affairs, you can write an application to the Credit Bureau. If the error is confirmed, changes will be made to the database within a calendar month.
Ways to fix bad credit
The return of trust in one's own personality is necessary for the full use banking services. To improve the story, you need to take several steps. The first step will be lending in any credit institution in full compliance with the terms of the contract. You have to pay on time every month early repayment will not be a solution to the problem, as it does not positively affect the rating.
Low scores make the chances of cooperation with banks ghostly, you will have to deal with micro-finance organizations. Not every office is suitable, you should make sure that it is registered in a special register. Without this, information about a successfully repaid loan will not be transmitted and properly recorded in the Bureau. There is nothing to worry about if, when applying for a loan, it is directly indicated as a goal to improve your credit history. Honesty is the key to mutually beneficial cooperation.
One successful loan does not always lead to results, sometimes you have to repeat this step several times.
The next step will be to receive a small loan from Sberbank consumer credit. If approval for this credit service is received, it is not enough to correct the rating and obtain a loyal attitude. Conscientious fulfillment of the obligation under the contract, the main component of which will be the absence of delays, will open access to other services.
The reason for increasing the loyalty of the bank is the increase in monthly income. If you can document the increase in solvency, the chances of obtaining a loan increase.
Is it possible to get a loan from Sberbank with a bad credit history?
The presence of delays in payments, a low rating and other problems with history reduce the likelihood of obtaining a loan, but do not completely exclude such a possibility. You should not hope that Sberbank does not find out about overdue loans in other places, the United Credit Bureau has many sources of information.
Use credit services the largest bank country with a bad credit history is possible. The following factors may contribute to a positive decision on the abandoned application:
- documented evidence of increased income and other welfare parameters;
- registration in Sberbank of a card for receiving a salary;
- registration in the bank of a small deposit;
- attracting trustworthy guarantors to arrange a loan.
All these actions cannot become a guarantee of obtaining a loan, but they increase the chances. If you find out your credit history in Sberbank Online, you can understand what will best influence a good decision. The process takes a matter of minutes, which saves a lot of time that would be spent on understanding why certain organizations refuse to provide credit services.
Credit denial may be affected bad story spouse or even close relatives. A husband can be given a loan if he has a credit rating of 5, and his wife has a 2 or 3. The risk of being refused is especially high if the spouse acts as a guarantor or second borrower. If the income of one family member (who becomes the recipient of the loan) is taken into account, there are no problems.
Knowing your credit rating and credit history helps you navigate your interactions with banks. A quick rating check through the Sberbank Online system is a convenient service. You can do this from any device, personal computer, laptop, tablet or mobile phone.
Requesting a credit history at Sberbank is not as difficult as it seems at first glance. This instruction will tell you in detail how to create a request, confirm it and view the necessary information.
Credit history is information about the history of your credit obligations and their status at the current time. It can be positive if you carefully fulfilled your payment obligations and negative, otherwise. Once a month and a half, Sberbank updates the data on your loans, so the client always has access to up-to-date information.
So, how to request a credit history in "Sberbank"? You can perform the first step in several ways, read them and choose the most convenient one:
- Section Credits - Credit history.
- Section Miscellaneous - Credit history.
- On the main page of Sberbank Online there is a flashing banner.
- Forming a request.
- Request confirmation.
- View received data.
Formation of a request for obtaining a credit history.
To generate a request, you will need to select the Sberbank account from which the payment for the generation of your data will be deducted (make sure you have enough money in your account beforehand). At the moment service cost 580 rubles but the price may change. If everything suits you and there is enough money, select "Continue", if not, select "Cancel".
Request confirmation.
A confirmation window will appear in front of you. Read the service agreement below.
1. To read the agreement, click on "Open the terms of the agreement", do not forget to check the box next to the item "I agree with the service agreement ...". Read the text carefully, if you fully agree with it, do not uncheck the box.
2. Read about the conditions for the transfer and storage of your personal information by clicking on the appropriate menu item. Check the box next to "I agree" if you're happy with it.
3. Make sure that your data is correct, this is an important point, because an error entails receiving incorrect information. To confirm your consent to the operation, click on the "Confirm by SMS" button. An SMS message with a code will be sent to your phone. Do not show or share it with anyone. Enter a combination of numbers in the field that opens and click on the "Confirm" button to agree with the operation.
4. If something is still indicated incorrectly, click on the "Edit" button, a window for entering details will appear again in front of you, correct the shortcomings. At this stage of the request, you can still refuse to provide the service, for this, select the "Cancel" button.
View credit history.
As soon as you successfully agree to the creation of the request, and money is debited from your account, a screen will appear with data on the payment made, and its status. At the top of the page, the stage of your request is written, as well as the period required to generate the report. The data at your request will be generated into a report. It will appear in the "Credit History" section. You can download and print a service receipt using the standard procedure. Click the Print Receipt button at the bottom of the page. In addition, you can download the report by clicking on the appropriate link, it will be downloaded and saved in PDF format. It will contain all the data about your loans to Sberbank for the specified period. As you can see, the whole procedure is carried out quickly and easily, good cooperation with Sberbank.
Any client who has access to the full functionality of the Internet Bank (signed UDBO) can find out a credit history in Sberbank. The universal service allows you to get a full detailed report on the transactions carried out on loans, open and closed loans, fines and your credit reputation.
How to find out a credit history in Sberbank online
Currently, in order to obtain a loan, both in the field of car loans and consumer loans, a potential applicant is required to have the highest quality credit history that does not contain overdue debts, penalties, late payments on the payment date.
Before applying for another loan, many clients seek to find out about their credit score in advance in order to assess the chances of success.
Most convenient way for customers who have access to Sberbank online, check the data through Personal Area- it does not take much time.
Please note that it is impossible to find out your CI for free when using a remote channel. The service fee is 580 rubles.
Step-by-step instruction
To order, find out and check your credit history at Sberbank online, it is recommended to follow certain instructions:
- You will pass authorization in the remote bank, as usual - enter your login, password, code from SMS.
- In the main menu, you need the Miscellaneous section. Select a service from the dropdown list.
- Upon transition, the service will reflect the cost of the request (it is impossible to check the history through Sberbank online for free). If the conditions suit you, click on the Get button.
- You will be transferred to standard form debiting funds - choose an account that is convenient and approve the payment. Confirmation - by SMS. The application is completed within a couple of minutes.
After that, a page with full data will become available, just like in the pictures below. The information will differ only in fact.
As long as the story is fresh, it is only possible to save it in PDF format. A couple of weeks will pass and a second icon will appear - Update. In this case, the purchase of the story can be repeated by paying the same amount as the first time. Even re-learning information for free will not work.
What data will you receive
Let us tell you in more detail what exactly is contained in the story:
- Active, valid loans, cards. It is described here - total amount loan, payment and balance.
- Closed, repaid obligations. Detailed receipt of all payments. History of past dues, exact date.
- Information about who has already tried to check your online credit history at Sberbank.
- Credit rating - determined by the system, depends on client workload, availability of deposits.
Is it possible to check for free
In fact, if a citizen decides to order a detailed report, he will not be able to find out his credit history at Sberbank for free. Unfortunately, the service is paid, but its cost is not at all high compared to the significance and importance of the report. The service costs only 580 rubles.
By law, any citizen can check their credit history for free once a year at an accredited credit bureau (the largest are EQUIFAX, BKI and others). There are several ways - to come in person or send a request by telegram or mail. In the first case, the data is provided on the same day, in the rest - within 3 working days from the date of receipt of the request.
What to do if your credit history is damaged
Credit history is a reliable source of information about the borrower's reputation for any financial institution. When applying for a loan, checking the IQ is the very first step that a loan officer takes.
But the information from the report helps not only banks. It is useful to the user himself, because it allows you to update information about debt obligations. According to reviews, clients often find penalties and fines on loans that have been repaid a long time ago, even more often these errors are caused by a human factor, and such sanctions are illegal.
If you are an active user credit funds, check back with your CI from time to time to make sure there are no outstanding obligations.
If the story is really corrupted, you can try to improve it. This requires:
- First, continue to avoid delays. Fines, late payments worsen the overall rating. No financial institution would like to incur monetary losses resulting from debts.
- Secondly, to issue new cards, deposits, and make payments on them on time. So, the history will be updated at the time of relevance, and past negative cons will gradually fade away.
Currently, many banks have come up with ways to allow a citizen to avoid penalties. For example, the Autopayment service is an affordable, free banking product. You can create it in mobile version application (In the case of Sberbank), where the date and amount are also configured.