How to check your credits through the Internet

Credit history - a means of hedging banks from delinquent, as well as information on the solvency and diligence of the borrower, ie it is your financial biography. You may not be able to remember the name of the Bank, which took credit for nine years, or once were late with a payment, but credit history can recall almost everything. Therefore, banks regularly seek information on a particular borrower. There are many organizations that store credit history, and they are called credit bureaus. Bureau of credit stories (BKI) to legal entities which are registered and controlled by the Federal service for financial markets of Russia. To find out which of them is kept by your credit history, you need to contact the Central catalogue of credit histories (CCCI). According to the website of the Loans.<url> fully learn their credit history through the Internet is impossible. In the Internete is available for a fee (from 600 to 1000 roubles) to learn the history of their loans, but they should not be trusted, not least because open access to this information is not stored. In addition, everyone has the right once a year to see it for free. According to the website of the Bank of Russia via the Internet you can learn about Bureau where your credit history. For this you will need the code of the subject of credit history issued at the conclusion of the loan agreement.

You will need

• code of the subject of credit history,
• passport data (series, number, issue date) or other document proving the identity.

Instruction

1. Send a request to the Central catalogue of credit histories:
   If you are aware of your own code, you can fill out a form on the Internetwebsite of the Bank of Russia. You will need to specify the email address that will receive the response of the CCCI, and your individual code of the subject of credit history. If the code is unknown to you, then it does not exist, can be created by contacting any credit institution (Bank) or credit Bureau (see the register of Bureau of credit histories at the Bank of Russia website). The request is served personally or by a representative of the subject of credit history. For this you will need a passport (or other identity document in accordance with the legislation of the Russian Federation). For representative, the document referred to above and a document confirming the availability of the relevant authority (power of attorney, minutes of General meeting of founders of the legal entity, etc.) In principle, the code can not create, according to the Credits.ru, you can go to any Bank with a statement on the results list of credit Bureau, where he formed a your credit history. The cost of this service in the Bank will be from 300 to 500 rubles.
2. Turning to the specific credit Bureau to obtain credit history once a year for free unlimited times for a fee).
   This can be done by personal visit, providing a copy of your passport, or by sending a notarized application by mail, or by filling out the application form on the website of the Bureau of credit histories, and within 1-10 days, you are required to provide your credit history. Thus, on the Internetyou can interact with CCCI or BCI, sends queries to obtain the necessary information, but to get a credit history directly on the Internetdo impossible. You need to come get her personally, you can send a proxy, or by postal mail.