credit history - is information about the use of credit facilities for every citizen who contacted the bank.With this file you can find out how the loan was repaid, if there is a debt to the bank, if so, in what amount.Before you give the new loan, financial institutions must verify the credit history of potential borrowers.
In some cases, banks are requesting a credit history?
In most cases, to get a loan without going through the verification process, it is impossible, especially when it comes to large-scale lending, such as mortgages.Therefore, you must take responsibility for the credit obligations and pay on time.Thanks to timely payment, you save yourself from the 'bad' credit history.
When making an application for a loan, you must agree to the request for a personal dossier.A specialist is required to study it and only then make a decision on the application abandoned.If the pre-application you want to get acquainted with its history, there is a method by which you learn how to check your credit history for free.To do this, at the time of filing the application you must write a written statement to the head of the bank, who asked to familiarize themselves with personal credit file.The Bank has no right to refuse you, as did a request to the credit bureau for a decision.However, some banks do not check credit history and set a higher interest rate.
How to check your own credit history?
Today, anyone can check free credit file.To do this, visit the website of any bank or mortgage broker.If during the year there will still need to check your history, you will need to pay about 500 rubles.For a fee, you can at least inspect ezhedenevno.Each request separately.
Where can I check the credit history, if you can not seek through a broker?
Before you get your data files, you need to know exactly where the stored credit history.Information about the credit bureau (CRB) can be found in the bank, where arrange the loan.You can examine the loan agreement, some lenders indicate the address and personal identification code BCH to obtain the necessary information.
If you know the address, you must first find the reception and a passport to go there at that time.To check the credit history, you need to write a statement in which he outlined his own request.Do not assume that the data you provide in a few minutes, it may take a few days to wait.
In that case, if your office is in another city, you need to fill out an application and send it by registered mail.Within a month, will definitely come back.Note that if you have multiple loans, information can be stored in different offices.Therefore, if you want to check the credit history of each of them, you are entitled once a year to do it for free.
