code of the credit history - a set of alphabetic and numeric values used to gain access to the information is under the protection of a central catalog of credit histories (CCCH).With it customers of banking institutions face when they come to the bank for the borrowed funds.The concept of "credit history" in Russia today is rooted in the minds of citizens, as well as the term "credit".And so all of a sudden interested in, where you can take this kind of information.For such data need to start to have a code of the credit history.How to learn it and get in the absence of, we take a closer look below.
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Purpose To understand the purpose of the code of the subject, let us consider an example.Banking institution to which you apply for a loan, be required to provide a credit history.But you do not know where to find such information.You do not have to go around all the credit bureaus, you can use the website of the Central Bank, the CCCH section.Enter your personal information and credit history subject code, learn Bureau, which contains information related to the state of the CI, it is easy.To fraudsters could not see this information about you, knowing your passport details, and was coined by the subject code.
What you need to know the credit history?
- know the situation regarding the CI need to make sure that you do not have to credit institutions, which have been obtained by fraud.Since it is not always a negative line of credit is the fault of the potential borrower's bank.Customers often become victims of criminals.In addition, there are cases when a credit history may be considered tainted due to the fault of employees of financial institutions who mistakenly recorded a loan in your name.In such cases, you can dispute the erroneous data.
- Knowing this kind of information, you can see the reasons for the refusal of banks to borrowing and rectify the situation.
How is credit history?
borrower receives a bank loan and starts according to the schedule without any delay to repay it.So begins to form credit history of any borrower.It is in this case will be positive, since there is no delinquency.
But consider a situation in which you, for whatever reasons, were detained the next payment, and maybe more than one.Quite bad, and when you do not pay off your debt to the creditor.That's when there is deterioration in the story, and over time it can become negative in the eyes of financial institutions.
Almost all banking institutions in issuing loans pay attention to the customer's credit history.When the positive stories they willingly give you the borrowed funds on more favorable terms.And poor you are likely waiting for the refusal.Although there are those among the banks that work with borrowers who have negative credit history, but the conditions are tough, and interest rates - extortionate.
What is a credit report?
- Cover part.This section includes information about the borrower - name, passport number, VAT number, and so on.
- main section includes all the information you have received credits, namely - indicates the amount, name of the bank that issued the loan, the presence or absence of overdue maturity.
- Closed section contains data on the banking institutions issuing loans.
Where to code KI?
code of the credit history of the bank is set by the client when signing the loan agreement.For example, Sberbank releases for this special application to the contract.And in some banks it is mentioned in the text of the treaty.
code credit history - a combination of numbers and letters, and it should be known only to the borrower.
If the code has not been set upon receipt of borrowed funds, it can come up later.This requires a direct application to the CRA or visit any bank.Additional code
subject
Once you have the code CI Office, you can install additional code.He, unlike the main, is only used for a month from the date of formation.
Often, the code is created so that, when the history of the client's need another person, for example, the bank did not provide him with a written consent each time.You can just give him the additional code, with which he will have access to the necessary information of the borrower for a month.Upon expiration of the additional code, it will be canceled.
How to get additional code?
process of installing additional code includes the following steps.It should be:
- Login to the Central Bank.
- Enter the code of the subject of credit history (how to recognize it in case of loss - discussed below).
- fill in the form on the assignment of additional code.
- Assign additional code.
Although the procedure for obtaining additional code is simple, it ensures the protection of personal data of the borrower.
How to change the code of the subject?
To change the code of the subject of the borrower shall be entitled to apply to any financial institution, not just where he took credit.The Bank will send a request to the credit bureau, where he gets in the CCCH, and where it will be able to respond.The reply from the CCCH fall into Office, and then - to the bank and the borrower.To change procedure went faster, you can immediately contact the credit bureau.
How do you know the code of the subject?
above were considered highlights, which has the code of the credit history.How do you know it in case you have forgotten it?There are several ways:
- You can find the code of the credit history in the bank where the loan was obtained.Bank employees should report code at the first request of the client.Borrower with the need to have passport.
- code is present in the loan agreement, which was decorated in obtaining loans.It is considered the easiest approach to the definition of the code of the credit history.
- How do you know the code remotely?You can hire the services of the postal service.To do this, fill out an application, which must be certified by a notary.Then the application along with the receipt for payment of notary services is sent to the NBCH.It will change the code and send to your address the new data.
- With the same application, you can apply to any credit bureau.In addition, the borrower must be in possession of a passport.Based on these documents, you will receive a new code of the credit history.
How do you know if you do not take credit never in my life, this code?The last two methods are suitable for this case.
worth noting that if you lose the code can not restore it, you can only get a new one.But do not assume that the information on the credit history will accumulate again, and all the "sins" so you can hide.
How do you know the code of the subject of the Savings Bank?
If the borrower need to know the code of the credit history, the Savings Bank was not able to tell.And because such information is not stored in the bank and the credit bureaus.Therefore it is better if the borrower to address directly.To avoid scams, should contact the office which passed state registration.The official website of NBCH can find an application form to get a new code of the credit history.
How do I find the code in the Savings Bank, if the loan was received there?You just need to apply to an employee of the bank with your passport.He is obliged to report this information on the first request from the client.
