Online your credit history can be found on the website of the Central Bank of the Russian Federation, in the section the Central catalogue of credit histories": http://ckki.www.cbr.ru/ ;
Select the item "Subject" (this is required information);
Click on the "Send data";
Contact with your passport to any Bank. Under Federal law the Bank is obliged to provide a list of credit Bureau, state and commercial, where it can be stored need a credit history.
Advice 2 : How to request credit history
Advice 3 : How to find credit history online for free
Advice 4 : How to check credit history
Advice 5 : How to check your credit history
What is a credit history
Credit history is a record of the borrower containing information about the performance of their loan obligations. In particular, about when and what amount he borrowed, whether there has been delay. Also a dossier of information about current loan debt.
The credit history is stored for at least 15 years. Contrary to popular belief, change is impossible. Only if you can prove that it contains erroneous data. Thanks to it banks have reduced time searching for information on borrowers and increases the accuracy of predictions according to their reliability. Largely on the basis of credit history, the Bank decides about the loan approval and the conditions for its issuance (the amount the interest rate).
All credit history with the borrower's consent is transferred in Bureau of credit stories (BKI), and some of them - the Central catalogue of credit histories (CCCI). They contain information about more than 95.5 million subjects.
How to know your credit history
The citizen of the Russian Federation can once a year for free to know your credit history. The procedure can be divided into two parts. The first thing you need to do to know where is stored the credit history. This can be done online on the website of the Central Bank of the Russian Federation in the section "Request for information about the BKI. After navigating to a website, select a subject. Next you need to enter the full name, passport details and email address. To request your code need to know the subject of credit history that is attached to the credit agreement. After requesting your e-mail address will receive a list of BKI where is stored your credit history. If you took the loans in different banks, information on loans may be kept in several credit Bureau. If the credit history is not in any of BCI, you will receive a message that the credit history is absent.
If you don't know the code of the subject of credit history either not formed at all, please contact any Bank statement with giving you a list of BCI that store your credit history. Banks can request this information without a code. This service in most organizations is paid.
Once the list of BKI that you can contact them with the request on granting the credit history. This can be done by personal visit with the presentation of a passport - this option is only available if the BCI is in the same city as the residence of the borrower. Otherwise, you must send the application by mail. But then it must be notarized. After 10 days you must obtain a credit history listed in the application return address.
Advice 6 : How to know your credit history online for free
Credit history and its structure
Database for a particular borrower containing detailed information about their obligations and their performance on existing credit contracts, called credit history. The law established that to know your credit history free has the right to every borrower, having previously a number of procedures.
Credit history with the consent of the borrower is transferred to the credit Bureau and kept there until 15 years from the date when it was made the last entry.
Credit history is a document that includes the following sections:
1. personal information – identifying information about the recipient of the loan. For physical persons – a surname name and patronymic, passport details, marital status, place of work, your education. For organizations the basic data is the name of a legal entity, its egrn, INN, activities, and more.
2. the main part includes information on the type of loan, amount, interest calculation, timely or late payments, as well as the presence of an open credit and current debt.
3. additional closed part contains information about all the creditors with whom the borrower had a contractual relationship.
Credit history not reported borrower's assets, its acquisitions, as well as additional personal information.
To know your credit history free you may need the code of the subject of credit history.
How to find credit history online
To know your credit history free online you must visit the official Internet resource of the Bank of Russia and go to the tab "Credit history". On the next page you should fill in the form, putting in your code the subject of credit history and e-mail address to which the Central catalogue of credit histories will send a response.
How do you know your credit history with credit bureaus
Learn about your credit history free credit Bureau. It is worth noting that free the borrower may make a request only once a year. The following queries in unlimited quantities served for the set fee.
Information on credit history may be given in electronic or written form in several ways, which requires:
- send mail to the credit bureaus notarized statement to receive information on the credit history;
- to send to the Bureau a telegram with the attached statement;
- register online on the website of the Bureau, to submit your application, and then contact the office for identification, or send a telegram (in this case, the applicant's signature shall be certified by an employee of the post office);
- personally visit the office of the credit Bureau and get a credit report.
How to send a request using the post office to receive credit history
Another way that you can learn about your credit history for free, is submit a request to the credit Bureau through the Mail of the Russian Federation. To do this, at your local post office, which operates the Telegraph services, to issue a statement indicating personal identification data and e-mail and you should receive a response from a catalog of credit histories.
If the data in the credit history are not true, then this can be challenged. The credit bureaus may update the history, if you agree with the arguments of the borrower, or leave it as is, which entails filing a lawsuit in court.