How to check your credit report. Credit histories, the functioning of the bureau of credit histories and the central catalog of credit histories. How can a borrower find out where his CI is stored
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 gives you the right to qualify for a lower interest rate on a loan, as the bank assumes that you will pay 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 details, 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 code of the credit history subject 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 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 selected credit bureaus. Get credit history you can 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.
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 different CBIs).
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 code of the subject of the credit history, then he can do this of 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 has not been generated or the borrower has forgotten it, then it will no longer be possible to obtain the necessary information via the Internet. You will have to personally go with a passport to a bank, any credit bureau, post office, microfinance organization, credit cooperative or a notary and send a request to the Central Bank through them.
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 a new credit history subject code 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).
Bureau partners will charge 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 a credit report, indeed, act as a 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 a 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 one loan product that I have ever made), 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 email, which 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 get borrowed money in 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);
- confirm the identity at the office of the Contact payment system (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 suggested values is closest to the approved credit limit 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. Interestingly, if I had chosen more convenient ways to obtain CI, the duration of the process would still not have been 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.
You can check your credit history online for free. Further on this page is detailed instructions about exactly how to do it. However, the number of free applications for obtaining a credit history is limited by law. He also established certain deadlines and procedures for the preparation by employees of the bureau of credit histories of a response to a specific request. And this means that in order to receive such a report as quickly as possible or more often than indicated in the Law of the Russian Federation No. 218-FZ, you still have to spend both time and money (on average from 300 rubles to 1200 rubles). To minimize your material and time costs, in particular, you can use the following offer:
What is a credit history
The CI contains the following information:
- information about the borrower(in particular, the details of an identity document);
- credit data(amounts, maturity dates, etc.);
- information about the organizations (creditors) that issued the loan and institutions that have access to the CI (users).
You can check your credit history for free or for money through a request with the help of several organizations:
You can get information about your credit history for free only at the BKI and only once a year.
Why and who needs to know your credit history
Every person who cares about his future should have a clear idea of his CI. There are several reasons for this (including for those who have never taken a loan):
Cause |
Explanation |
|
There is a human factor in the work of financial organizations. Therefore, employees of such institutions may, due to their own inattention or failure in software transfer erroneous information about the repayment of a loan to the CBI and thereby worsen the credit history of a particular borrower. |
|
Due to the large number of simplified lending programs (especially consumer loans), the risk of issuing funds under false documents has increased. First of all, this concerns lost passports. |
|
Before signing a loan agreement for a large amount, financial institutions usually check the credit history of a potential borrower. In the case of a bad CI, banks may refuse to issue a loan. |
|
Systematic failure to fulfill obligations under the loan can lead to a ban on traveling abroad. |
|
The presence of a bank with delinquent loans worsens its financial condition, and reputation. Accordingly, banks are actively working with unscrupulous borrowers with all the means available to them, including turning to services specializing in debt recovery. |
Why you need to know your credit history subject code and where to get it
At the time of the formation of the CI, the client receiving the loan is assigned the code of the subject of the CI. The site banki.ru offers the following definition of this concept:
The CI subject code performs several important tasks:
- helps to remotely find out the contacts of your BKI;
- protects information about CI from strangers;
- allows you to change the old one or get an additional new code through the Central Bank website.
In case of loss or absence of the CI subject code, a new code can be generated. To do this, you must contact the bank or any BKI with an application to change the code. The cost of this service is approximately 300 rubles.
How to find out your credit history for free
A simplified process for checking your credit history is presented in the diagram.
The detailed algorithm for obtaining your own CI is as follows:
When filling out the form, you should consider the following rules:
- for citizens of the Russian Federation, full name should be written in Russian letters;
- specify the date in the format "DD.MM.YYYY" (day, month and year);
- do not put a space between the series and the passport number;
- do not put a space between the word and the quotes adjacent to it;
- do not allow more than one space between words.
With a correctly formed request, the following information should be displayed on the screen:
- In case of an error in filling out or the absence of a CI for a specific person, a notification of this type will be sent to the e-mail: “Relevant information was not found at the request. Specify the details of the request.
- If all the data in the request is filled in correctly, an email will be sent to the email with a list of credit bureaus that store a specific credit history.
The easiest way is to personally apply with identity documents and their photocopies to your BKI, for which you need to do the following:
- Submit documents and photocopies.
- Fill out an application on the spot.
- Get your CI.
In this case, it is not necessary to certify the documents with a notary, and the answer will be given on the day of the appeal. Such a service is provided free of charge only once a year, and all subsequent calls will be paid according to the tariffs established by the institution.
In addition, there are other options for applying for clinical trials offline. The NCBI website indicates, for example, the following methods:
- Sending a mail request involves the following tasks:
All subsequent reports, except for the first one, cost 450 rubles during the year. for each request. However, if the previous request was less than 12 months old, a copy of the payment receipt must be attached with the new request. The NBKI forms a response within 3 days from the date of receipt of the documents and sends it by mail to the address specified in the request.
- Prepare a telegram indicating the full name, information about the place and date of birth, phone number with the address, as well as the data of the identity document.
- Verify the signature of the postal worker.
- Send a telegram to the NKBI.
If the request is not the first one in a year, you must additionally send a receipt by fax for payment for the provision of clinical trials. The terms for receiving the report (as well as the cost of a repeated request) are similar to the conditions for sending a request by mail.
How to check your credit history online for free
Forming a request online is much more convenient than visiting a post office, a notary or your BKI. To receive your CI via the Internet, you can use one of three main methods:
Way |
pros |
Minuses |
Request through an NBKI partner"Credit Information Agency" |
|
|
Obtaining a CI through the Internet banking of your bank |
|
|
Forming a request through intermediaries (on the example of www.bki24.info) |
|
|
Welcome to the site. The dossier of each borrower is formed from the moment he receives financial services and is kept for 15 years. Information is confidential, access to databases is limited. In this article, we will tell you how to find out your credit history for free via the Internet in reliable ways:
Storage
Dossiers of borrowers are formed and stored in credit bureaus. According to the Central Bank of the Russian Federation, in July 2016, 18 BCHs were registered in the country. The list is given on the official website of the Central Bank: https://www.cbr.ru
Each bureau operates under the control of the Central Bank, submitting reports only on official requests from financial institutions or borrowers.
If a creditor (bank or MFO) needs a dossier of a specific individual or legal entity, he sends a request to the BKI.
To check their history for free, the borrower will have to find out which bureau stores it.
We draw the attention of readers to the emergence of sites offering to find out your credit history online for a fee. Using this service, you run the risk of giving money away and receiving incorrect data. The database of credit histories is not transferred to third parties via the Internet or in any other way.
In order not to become victims of scammers, use official sources of information.
Subject code
Each borrower can check the credit report once a year free of charge using the BKI database and entering the subject's personal code.
The subject of CI is any individual or legal entity that issued a loan, acted as a guarantor for a loan, or a recipient of a bank guarantee.
The subjects of CI are also debtors in respect of which a decision on bankruptcy has been issued, or the recovery of amounts under writ of execution.
The subject code consists of numbers and letters. This "password" is indefinite, it is necessary to access the reports received by the Central Catalog of Credit Histories (CCCH).
The code is generated during the execution of a bank loan agreement. Large banks (Sberbank, VTB 24) provide a special annex to the document for these purposes. Code information is confidential and is not shared with third parties.
If the code was not generated upon receipt of the loan, it is obtained by sending an application to the BCI or to the bank.
Sources of information
There are several ways to find out your credit history online:
BKI. If you still do not know which bureau stores your file, use the website of the Central Bank by going to the page www.cbr.ru
Here you can get the required information by filling out a special form and confirming your personal data. You will need to enter a subject code.
Having received data on the BCI, it remains to send an application there. This is easy to do through the official website of the bureau, after registering. We remind you that the free report is provided only once a year. For a fee, you can get the service an unlimited number of times;
Bank. By contacting any bank, the borrower will receive his report. You can send an application online to the bank where the deposit or salary card is opened.
Or apply personally to the nearest office of any credit structure. But this service is paid, you will need to pay from 500 to 800 rubles, depending on the current tariffs.
Sberbank provides an opportunity to get acquainted with the history of all its customers. There is an option in your Sberbank-Online personal account where you can order a clinical trial by paying 580 rubles from a card or account. The data will be provided by email. Without registration in the Sberbank system, access to this service is impossible;
Intermediary services. The offer to find out your rating by last name and in a matter of minutes can often be found on the Internet. In the vast majority of cases, these are scam sites that collect money from gullible borrowers. Sometimes such “services” are disguised as websites of microfinance organizations;
MFI. Some large MFIs cooperate with BKI, but the purpose of this is to verify the borrower's reliability before issuing a loan. When receiving information from a bureau, a financial institution does not have the right to disseminate it.
Therefore, you should not respond to "tempting" offers to get access to your rating through MFIs. These ads are posted by scammers;
Paid services of BKI. Some BCIs have their own official services, where online verification is possible only after registration in the system and conclusion of an agreement.
An example of such a service is offered by the Equifax bureau online.equifax.ru. This is a working way to get correct data for a reward.
The question of whether it is possible to check a credit report for free via the Internet is relevant for many clients of banks and MFIs. Today, this can be done once a year by contacting the BKI. The method is not fast, but reliable.
Bank denied loan? If the reason for the refusal is not clear to you, check your credit history. We tell you how to do it for free
What is a credit history
A credit history is a dossier on a borrower that contains all the information from banks, MFIs, telephone companies and other organizations that serve people on credit. Even if you have never taken a loan, you still have a credit history, only "zero". The content of your credit history most often determines whether you will be given a new loan or not.
The credit history includes the required blocks:
- Bureau name;
- Information about the borrower - full name, passport data, identification data of the taxpayer;
- A summary of how many loans have been approved, how many times a loan has been applied for;
- Information about how the client repaid loans, whether they allowed delays;
- Bank decisions on loans;
- Credit history inquiries marks.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
How to check credit history quickly, but not for free
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
How to check your credit history for free
To find out your credit history, you need to come to the BKI office with a passport and ask to see your "credit case". Asking someone to check your history for you will not work: CBIs do not have the right to disclose the contents of your credit history to unauthorized persons.
Once a year, any Russian can view the contents of his credit history for free. The second time will be already paid, usually this service costs several hundred rubles. Bureau employees often “forget” to inform the visitor that once a year he can look at the credit history for free. Be sure to remind the employee of this right. It is described in Article 8 of Law No. 218-FZ “On Credit Histories”.
How to determine in which BKI your history is stored
To determine in which particular BKI you have a credit history, you need to know the special code that the bank assigns when issuing a loan. As a rule, the code is indicated in the text of the loan agreement or in an annex to it. This is a combination of Russian letters and numbers or Latin letters and numbers.
Enter the subject code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. This way you will find out in which credit bureaus your credit history is stored. But what if you have not taken a loan yet and you do not have such a code? In this case, you can come to any credit bureau and find out in which bureaus a “credit file” has been filed for you. In fifteen minutes you will receive the information you need. You will have to pay for this service.
What to do if the BKI is in another city
Offices of large bureaus are usually located in Moscow and St. Petersburg. If there is no representative office of the required bureau in your city, unfortunately, it will not be possible to do without costs at all - you will have to come in person or pay a notary. If you do not want or cannot come to the BKI in person, you need to send a request to the BKI through a notary who must confirm your signature.
How to check credit history quickly, but not for free
Some companies offer to check your credit history online. And sometimes they are ready to do it even for free - for example, as part of a promotion.
Equifax credit bureau provides you with the first credit report free of charge. To do this, you need to go through identification, which in most cases is paid.
If you are still willing to pay money for a credit report, then the easiest way to get it is to contact the bank. To do this, it is not even necessary to go to a branch - large banks can share credit history upon request in an application or on an online bank website. Check with your bank's support team to see if this service is available to you.
For example, in Sberbank, such a service costs 580 rubles, and in Tinkoff Bank, a summary report on financial reputation can be issued for 59 rubles.
Another option for those who want to quickly find out their credit history is to contact the Euroset communication salon. For the service they will ask 990 rubles.
If there is an error in the credit history
If you find an error, contact its source - the bank or MFI that provided incorrect information. Such mistakes, for example, include delays in payments that you did not allow. If the bank or MFI does not respond to your request or refuses to correct the information, you need to contact the credit bureau and apply for a change in your credit history.
But if you notice that there is a loan in your credit history that you did not apply for, you need to urgently file an application with the police. Perhaps your passport fell into the hands of scammers who were able to get a loan with it.
In short:
- You can check your credit history for free once a year. This is the law;
- Your credit history can be stored in several credit bureaus at once. To find out in which - the subject code will help. Look for it in the text of the loan agreement. If you have lost the code, you will not be able to restore it. A new subject code can be obtained at any CBI or bank branch. You will have to pay for this;
- If you know the subject code, you will be able to find out in which CBI your data is stored;
- Enter this code on the website of the Central Catalog of Credit Histories at the Central Bank of Russia. If the desired bureau is in another city, you will have to come in person or pay a notary;
- You can get a credit report online, but you have to pay. In some bureaus, you can get your first credit report online for free. You will have to pay for the next ones;
- You cannot change your credit history. But you can fix the mistakes in it. To do this, contact the bank or BKI. If you see a loan in the report that you did not apply for, contact the police.