Since 2005, appeared in Russia a single credit bureau file.Now the lender knows how to find the credit history of potential borrowers.These organizations collect all information about bank clients who use the services of credit.
Through BCI financial institutions can protect themselves from the risks of default and grant loans only to trusted customers.How do I know
credit history quickly?
Any citizen or a physical bank can learn about the previously issued loans.It can also be provided with information on how the loan was repaid, whether there was debt.It is necessary to take into account that a citizen can know only their own files.
free to receive your credit file can only once a year.If re-treatment will have to pay a fixed amount.
If the borrower knows his personal identification code that is assigned to it at the conclusion of the credit agreement, the credit history can be found on the Internet.To do this, go to the official website of the Central Bank, in the section "Catalogue of Credit Histories."In this section, you must enter their passport details and a digital code to access the file.This is the fastest and easiest way to get acquainted with your credit history.
Where can I get a credit history, if not a personal access code?
If personal identity is not known to you, you must send a letter to the notarized signature of the data, and the Central Bank (a sample letter is presented on the official website of the bank) and wait for a response.The Central Bank will send a letter of response, which will contain the address of the office where your data is stored.
But how do you know the credit history, knowing only the address of the BCI?
You can contact the Bureau at the location.Handle must be in person with your passport.For history will need to complete a written request.In response to a written request for information will be provided during the week.
If there is no time to wait, and the way to get information seems complicated to you, you can simply contact the bank that you have recently failed.At the time of application for a loan in the bank you can always write a statement in which they asked to get acquainted with his dossier.So you can get several times the information on its own debt free.
What to do if you find a bug?
Unfortunately, banks are sometimes wrong.This happens in most cases due to non-operational work: the borrower has closed all of its obligations, and the bank has not provided data to the credit bureau.
Usually, the borrower falls into the "black list" in violation of the terms of payment.But when he corrected their position and put out the required payments in full, he is still listed as a dishonest borrower.Information has no time to be updated instantly.In this case, the bank must provide documentary evidence that the debts repaid, and contact the CRB to make changes.Check changes can be a few days later.After all, how do you know the credit history - to you is no longer a secret.
