In the life of every one of us there are times when it is very urgent need of money.Naturally, the majority in the first moment decides to apply to the bank to issue the credit.However, it happens that the bank for some reason refuses to issue the required amount, referring to the distrust of the client.How do you know your credit history?But, in principle, before applying to the financial institution for a loan, it is desirable to check their statements, that an unscrupulous lender did not spoil you this document.To learn how to check your credit history, what it is, we'll talk in the state.Izvestno that credit history is a record consisting of three parts:
- titular, which contains basic information about the borrower,making it easy to carry out his identification.For example, the full name, passport data, and so on. Etc .;
- main, which contains exactly the information that you are so interested in financial institutions, ie. E. The existing obligations under the loans, repayment terms, interest rates.Naturally, here it included data on previous loans which have already been repaid, and in full.In the same part reflects late payments, if any, accrued interest and penalties, litigation and other details of the methods of repayment of loans;
- closed or additional part contains references to reliable sources of information on which the report was established, as well as persons performing these requests.
How do you know your credit history, if the decision to apply to the bank yet inevitable?To do this, there are specialized offices.They are absolutely free, but once a year, you can see the credit history to his name.If necessary, for the current year it is possible to make an unlimited number of times, but for a fee.The bank, in which you have applied for a loan, will also be able to view the report, but if you have power of attorney, which the lender asks the borrower immediately upon registration.
procedure for obtaining a report of your financial integrity - not so fast and easy.Initially, the request is sent to the National Credit Bureau, where there is information about where it is stored report corresponding to your request.Having the correct address, do not be surprised when they ask you the code of the subject of your credit history.Each document, as is known, has a certain number, the same applies to this report.He is assigned to every new credit agreement, so you can find it on any loan agreement or in the bank or in the same credit bureau.
It's understandable, but how do you know your credit history yourself?Too many sites today offer similar services, but it is worth remembering that the storage of personal information is protected by law, so anyone this information will not be known.Naturally, for this service are asked to pay, so be careful - you can get absolutely incorrect material for your hard-earned money!Try your best to contact the bank in which you have acted as a borrower, there even if you do not help attain the coveted document, but certainly prompt the right way to how to know your credit history.
And finally I would like to give advice - make payments on time.And the way to easily take credit - yours!
