Black list of bank debtors of a home loan bank. How to get a loan, being in the black list
A bank debtor is a client who allows systematic delays in repaying a loan. Once in the bank’s blacklist once, getting a new loan in the future becomes difficult. Non-payers have a logical question - how do I find out that personal data is on the black list of loan debtors?
What is affected by the availability of data in the list? Can I get a new loan if you are on the black list? And what threatens to get there? We will talk about this in this article.
The mysterious “black list of loan debtors” refers to the data of the interbank base - MBCI - which are also transferred to the Kronos system. When a borrower applies for a loan and submits an application, the system checks it using several software solutions. Depending on the amount, term and type of loan, the number of verification programs and the level of its depth varies.
So, a borrower with a recent loan overdue may easily receive a loan of up to 50 thousand rubles from a bank using the services of a specific BKI; or a loan to MFIs that do not recognize banking scoring systems, or use their own. This is due to the lack of a single BQI for all lending organizations in Russia, and a single borrower assessment system.
Based on the difference in the approaches of credit organizations to the assessment of the borrower, customers with arrears they can count on getting a loan, however, on unfavorable conditions.
Only hopeless debtors — people who have overdue loans, information about which is reflected in all major credit-reporting organizations — have no chance of getting a new loan.
Bank Terminology
- MBCI.Interbank information base in which data is stored on customers. Clients themselves do not have access to it. Reports from the MBCI are not sold in the public domain, information from them can be obtained only during a comprehensive check. To do this, you should turn to credit advisers and order a full audit on your credit history, paying special attention to the report from Kronos. It is not recommended to buy reports on hand on the Internet - they often sell falsifications.
- BKI.The credit bureau, they store data for each borrower with a history of his payment discipline. Only 4 of the largest BKIs on the market are the NBKI, OKB, Equifax and BKI Russian Standard. If a report from any BCI contains data on a loan overdue for more than 30 days, this can be regarded as being a client on the black list of debtors. You can order reports from the BKI to check for delays on the websites of these organizations. You can get one report once a year for free - for this you will need to pass an identity verification.
- Scoring system.Used to evaluate the borrower for compliance with the requirements of the bank. According to the information from the questionnaire, which the borrower fills out when applying for a loan, the scoring system evaluates the data and assigns points for each answer. IN credit scoring built-in automatic request for data from BKI. For clients without a credit history, another type of scoring is used (which is also used by MFIs) - socio-demographic.
- Black list of debtors for loans in Russia, it is a stop list.Each bank has its own. As such, there is currently no general blacklist of debtors for all banks. To learn about the borrower's delinquency and its payment discipline, banks can from two sources: these are the BKI and the data base of the FSSP - the bailiff service.
In the latter, you can find information about loans transferred for foreclosure. Microcredit organizations can check the data on the FSSP. A client with such loans is a type of bad debtor. Usually overdue loans are transferred to recover after 4-6 months of delay.
What is a stop list in a bank?
Stop List, or Blacklist loan debtors in Russia Is a generic name for a combination of factors derived from various verification sources. Being in the black list of debtors is an incorrect statement of the request. When applying for a new loan, the client submits an application to the bank. Assessment of his data using a scoring system.
If there are open delinquencies, with each day (week or month) delay, the scoring score decreases, becoming critically low.
It is refusals due to low scoring and the presence of open delinquencies, which are reflected in the reports on the CRI received by the bank, can be considered a stop factor for obtaining a new loan. Bypassing the scoring system of the borrower with a delay in the bank will not work.
Typically, these software solutions are embedded even on the websites of banks. From here follow failures that lead to the fact that the client considers himself blacklisted.
Also, the black list of banks is information about borrowers, during the inspection of which a suspicion of fraud was revealed. Usually these data are stored in the MBCI, and banks can request them from each other. Also, this information is contained in specialized reports on the SB of the bank, which are used by credit brokers to check the client.
They can be ordered by contacting a specialized company, and check for the presence of negative in the interbank base.
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The main reasons for getting customers on the black list of loan debtors
- multiple submissions to banks for different jobs, or mismatch in personal data;
- revealed the use by the client of fake documents;
- the client turned to banks for the work done (purchased documents or the work of black brokers);
- the client had a previous criminal record under the article “Fraud” related to credit matters;
- appeal to the bank on other people's documents.
Consider the issue of whether collectors have a blacklist of debtors. Each company has its own. They do not share this information with each other, and they won’t be able to find out about the availability of your data in their databases. In the work, collectors use the same tools for checking the borrower as banks - a request to the BKI and a client check in the FSSP database.
How to see the stop list of banks?
As we already learned from the previous paragraphs, there is no single list for people with arrears. Therefore, to clarify the situation and verify your own personal data, you will need to collect several reports that will allow you to find out the full picture of the borrower's credit history.
The first step in the collection of documents should be an appeal to the CCCH - Central Catalog of Credit Histories.
It stores information about all BKI, which contains the data of a specific borrower. You can request a report free of charge once a year, or you can purchase it from brokers or on specialized sites providing credit reports (for example, Mycreditinfo.ru). The received report contains information about all BKIs that store the borrower's credit history.
The next stage is a request for reports in the indicated BKI. When you first contact Equiafx, a credit report is issued free of charge. To do this, register on the site and go through a simple verification. NBKI, OKB and BKI Russian Standard provide only paid full reports.
They can be successfully replaced by inexpensive summary reports - credit ratings. They are offered by each of the three listed BCIs. You can order on the BKI websites or from intermediaries.
The reports contain information on open arrears, their duration and the number of negative accounts, the exact amount of arrears. A negative account is an account that lists open or closed delinquencies.
The second stage is the verification of information about yourself in the FSSP data bank. There you can find out about open credit debt litigation. If such data is available, the client goes into the category of malicious defaulters, and obtaining a loan until the debts are closed and information is removed from the bank of enforcement proceedings is not available to him.
The next step, which you can skip if you want, is to order a report on the SB of the bank. It contains customer information stored in the MBCI. You can order this report from credit brokers, but this requires a personal presence - you can’t give out a security report. The cost of the report is from 400 rubles.
And the last step is scoring verification. A low scoring score is the main reason for refusing to apply for a loan. You can order this report at the NBCH. The report is called FICO Score, and is used when checking the borrower by banks or MFIs.
Critical indicators are calculated in numbers from 450 to 0 points, in decreasing order. With a scoring ball over 450, there is a real chance of getting a loan or a microloan, even taking into account open delinquencies.
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What if you are blacklisted?
In conclusion, we’ll talk about what to do if you fall into the category of debtors. The reports contain information on open arrears, the scoring score is critical and the situation is disappointing. Getting a loan seems unbelievable. Is it so? Not this way.
Even if you have delays in four bases (four BKIs), there are microloans or loans secured by existing property. They are more loyal to the credit history of the borrower.
If you do not have all the bases occupied (delays only in Equifax or OKB), contact the banks that work only with the Russian standard base, or with the NBCH.
Contact your reseller for help. Just beware of black brokers or outright scammers. There are not many white brokers in Russia yet, and their list can be found on the AKBR website. These companies are professional market players, and will provide qualified assistance.
If you have nothing to pay on loans - contact the bank (s) for debt restructuring or credit holidays. To obtain them, you will need to document the reason for the delay. Banks are more actively in contact with customers, and a situation can be resolved even without the help of a credit lawyer. The main thing is not to postpone the solution to the problem, but act.
Sometimes, initiating a lawsuit against a bank with declaring yourself bankrupt is much more effective than trying to get a new loan and falling into even greater credit bondage. Consult a credit lawyer for advice on how best to proceed.
The emergence of a large mass of debt from bank customers is the result of the availability of loans and quick loans. Not everyone is able to calculate their financial resources to make monthly payments. If he has accumulated loan obligations, the data on him are entered in the black list of bank debtors. The introduction of information there threatens the debtor with many problems, in particular, a damaged credit history. Such a database is not in the public domain, but there are ways to obtain information from it.
What is a blacklist of debtors?
is an electronic system that includes malicious credit defaults. The list of data is compiled by a banking institution. Getting there threatens with the following sanctions:
- The security service of a banking institution or collectors begins to work with persons from the list of data in order to collect existing obligations;
- This is a damage to the credit history, and therefore getting a loan again at a financial institution will be quite difficult;
- This threatens with a ban on leaving the state. Is it possible to travel abroad of debtors;
- If the case is referred to the court, the debtor’s property may be seized with its subsequent implementation.
The base is regularly edited. And she is not only replenished. You can also exit it with the fulfillment of certain conditions. In particular, it covers loan obligations. But not so simple. Inclusion in the list of data should not be allowed in any case, as this entails the transfer of information to the credit bureau.
If a person leaves the stop list, even when he has made all payments, then the information is stored in the bureau for 15 years - this can complicate relations with contractors and financial organizations.
Who is on the bank list?
The base is not replenished immediately. If a person has allowed time delays several times, this is not a reason for his inclusion in the stop list. First, the banking institution sends the debtor. The base is a place to store information about malicious credit defaults. You can get into it if you have the following circumstances:
- Delays observed regularly;
- The accumulation is large;
- No payments for several months.
If a person is recognized as a malicious defaulter, he can be left on the list even if he has paid all debts and fines. Thus, the Bank is protected from further contacts with dishonest customers.
The debtor database is regularly edited.
View information from the stop list of Russian banks
How to find out if a person is on the black list of debtors? Initially, you should decide which database is in mind. It can be collection, banking. Depending on who owns the data list, the features of obtaining information differ:
- If the base belongs to the banks of RussiaIt’s almost impossible to independently obtain information from it. This is a private portal, necessary for bank employees. It is not posted on the Internet. You can check your availability there in one way - to find out about your obligations at the bank. However, even if they are completely covered, this does not guarantee that a person is not in the list of data. If they have information about the person, this means that subsequent requests for loans will be refused, as the person has established himself as an unscrupulous borrower.
- Special lists are available at collector services.. Agencies receive information about debtors through credit organizations, and then compile their list. This is also confidential information, available only to service employees.
- All information about debtors is stored in the credit bureau.. The law of Russia stipulates that a person, once a year, has the right to a free request to the bureau to receive information about his debts. However, if requests are made more often, you will have to pay for them. To obtain the required information through the bureau, you must create an appropriate request.
Another way to obtain information on loans is to contact the official bailiff on the Internet. There is also a list on this site. It is formed from those debtors to whom the enforcement penalty has been applied. How to find out the debt on the writ of execution,. This method is the simplest, since it is enough for it:
- Register on the resource;
- Enter the name, date of birth;
- You can get the information you need in another way - enter the number of the enforcement proceedings in the corresponding stanza.
The list of debtors on the FSSP website is good in that information can be provided to any person. To do this, just know the minimum information about the debtor.
The site displays debts of the following nature:
- Loans to banking institutions;
- Loans from individuals;
- Alimony Obligations.
The site is the best assistant to credit organizations wishing to check a person for integrity. However, he has a minus. Information on it is published only if proceedings are initiated against the debtor. If there is debt, but the creditor does not sue, information about the borrower will not be published.
Algorithm for actions in this list
How not to get into the black list of bank debtors? Even in the event that there is not enough money to pay out loans, you can avoid making a stop list. To do this, follow these guidelines:
- If you have financial problems, you should notify the bank. Only malicious payers are listed. If a person understands his responsibility, but a serious illness or loss of work does not allow him to fulfill his obligation, the banking institution will not be so severe with him;
- If the funds are not enough to cover the debt, it is worth making at least small payments. This will help prevent the sale of debt to collectors and falling into their lists;
- It should establish itself as a bona fide payer. For this, good reasons for the lack of payments are provided (certificate from the hospital, a document confirming dismissal from work). The borrower must answer calls and notifications of the bank, participate in negotiations.
What to do when you are in the data list? This problem is relevant if the person has further plans to work with a banking institution.
The database of debtors of Russian banks is a private portal.
How to exclude yourself from the database?
To leave the stop list you must follow these recommendations:
- It is necessary to make all payments on obligations, on the basis of which the listing was made. It is required to pay the accrued penalty;
- You can open a deposit account at the institution. In order to regain the trust of the bank, it is necessary to replenish it regularly and pay for utilities. This contributes to the return of creditworthiness;
- You can open an account to which the salary will be transferred. Constant replenishment of the account increases confidence in the person, which contributes to his exit from the stop list.
An example of using a blacklist of debtors - legal entities in this video:
Exiting the list will give a person the opportunity to further interact with a banking institution: to take loans and borrowings, to conduct other operations. However, it is better not to get into this list. If there is a withdrawal from the internal list of the bank's stop list, this does not mean that the information on the committed obligations has not been saved in other places. The relevant data is stored by the credit bureau.
If a person has made the necessary payments, this does not threaten him with the intervention of collectors and the introduction of penalties. But the presence of unpleasant information in the BIC and on the FSSP resource can complicate relations with contractors. Before entering into agreements, organizations often check a person for their solvency and good faith. Information about numerous delays can lead to damage to reputation.
Credit is a support and help in a difficult situation. The modern world is inconceivable without a banking system, and retail consumer loans are proof of this.
Most borrowers do not know, for example, that when concluding an agreement with a bank, a credit history begins to form. Further relationships with the bank depend on her.
Credit history: how is formed
It is better to know about formation in more detail. It all starts with filling out a contract. The future borrower in the clause on the permission to provide information to third parties or the organization check the box, confirming his consent to this action. From now on, everything that is known about you to a credit institution will be located at.
To facilitate the tracking process, a combination of numbers and letters is assigned to the borrower. Numbers and letters are agreed with the borrower. Further, this code is entered in the Bureau of credit histories. It is possible to find out information on an individual code to a third-party bank or credit organization.
There are situations when borrowers forget their personal codes. However, there is a need to obtain information on your own credit history. You need to visit the Bureau or any branch of the bank issuing retail consumer loans. Absolutely any credit institution with access to BKI is suitable.
The law does not prohibit renaming your own code. To do this, contribute no more than 300 rubles for the work, and in return receive an updated combination of numbers and letters.
A responsible borrower is rare, but still faces moments when a loan is denied, citing debts to another bank. Why is this so?
Everything is simple. Negligence of bank employees in which the loan has already been repaid. They do not timely enter data on debts into the database. Therefore, a temporary mess is obtained.
About credit bureaus
In the legal language, a credit bureau is a legal organization that provides services for the processing, formation and storage of credit history in the commercial interests. Additionally, BKI issues reports or certificates on a paid basis.
According to the data of the Central Bank of the Russian Federation, by 2016 in the register of state credit bureaus there are 19 organizations.
This is interesting: only 5 of them occupy a leading place.
Any bureau must perform the following functions:
- get a credit report in one minute (online mode);
- creating conditions for discipline of borrowers;
- access to the Central catalog of credit histories;
- access to the Federal Migration Service;
- tracking discipline of borrowers;
- provision of scoring cards thanks to its own base;
- external correspondence with borrowers or a bank;
- reporting on which a loan portfolio is formed;
- fight against fraud;
- processing loan applications;
- relationship with similar credit bureaus.
Credit history databases for individuals: access, blacklists
Blacklist is also called stop leaf. The list of debtors, defaulters. Everyone who, for any reason, is worn on the stop list.
Blacklists are sorted as follows:
- a stop sheet in the bank in which all bad borrowers are entered;
- data in collection agencies;
- data in the lists of bailiffs;
- information at the credit bureau.
To get access, you should contact the bank branch, where the loan obligations are drawn up. The department is allowed to make a request for a repaid loan. To do this, take a loan agreement and a passport with you.
If you apply to, you need to know that they receive information from a credit institution.
By law, any borrower is allowed to make an inquiry about their own credit number for free only once a year. For a fee, it is allowed to find out the status of the blacklist.
To get information through the Bureau of credit organizations, you need:
- Make a request to CCCH about your own credit history. The request is carried out through any commercial bank. The procedure is described earlier.
- Make a request to the BCI for a similar purpose. To do this, you need to contact the organization from the registry. The registry is available on the website of the Central Bank.
How to see credit history for free and for free
To look at the desired credit history, 4 methods have been created:
- A personal visit to the credit bureau.
- Bank branch or online service.
- The above organizations shall be authorized by a letter which is notarized in advance.
- Check over the Internet in online mode.
All four methods are free. But the online check should be disassembled in more detail. There are several agencies specializing in providing information. Their links:
- Internet bank. Through your personal account you need to follow the link that will direct you to the credit history. The link is missing if Internet banking does not provide blacklist access services. Additionally send a request to technical support. To do this, fill out a special form. It can also be found in your account.
Clicking on the links is free, but to work with the services you must register. Working conditions for each service are individual. In some cases, information is provided for free for the first time, then for money. When paying for these services, customers receive additional bonuses in the form of SMS informing, fraud protection, error correction and the provision of a personal code.
How financial institutions check credit history
These checks are carried out through the Bureau. The credit bureau provides information upon request from a credit institution.
Theoretically, this is done as follows:
- After a client submits an application for a loan, a request is issued to bank employees for the Central Catalog of Credit Histories. This is necessary in order to know for sure in which Bureau the credit history of the client is located.
- It is easy to guess that after this a request from the bank is sent to the bureau regarding credit history.
- The credit bureau begins work on the applicant’s data. Verification of personal information begins, which is indicated by the application from the bank, with the data to the base. It's about passport data, name, and other. After verification, the opera receives a report to the bank.
- Bank, having received a report from the Bureau, the Reconciliation and evaluation of the information received is performed in the same way. The result is a decision on approval or rejection.
And what is in that report from the BKI?
It contains data on four components:
- Customer Identity. All information on the cover page.
- The basis. Actions on open and closed loans. All about the size of loans, time and repayment periods, types of loans, arrears.
- Additions. Information about the sources from which data on loans and existing debts are taken.
- Elaboration. In conclusion, write down information about loan refusals, and also indicate a specific reason.
Credit history management
At the beginning of the article, we were talking about an individual code consisting of numbers and letters. It was invented specifically for monitoring and managing credit history.
How to send requests for monitoring have already been disassembled previously. But what to do if you need to make changes or notice a clear mistake in your personal credit history.
Errors or incorrect data can be corrected. Everything is simple: they collect documents confirming errors, and send them to the BCI. The organization must review the application within a month. If the client is right, then the inaccuracies will be corrected. If the correction did not follow, and the errors are clearly present, then going to court will correct the situation.
Check in CCKI
An accessible video form explains the sequence of actions that must be performed in order to use the capabilities of the CCCH to verify the history.
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