How to check credit history

The most simple and at the same time reliable method of getting credit history is making a special request on the official website of the Bank of Russia. Among the many topics you must select the link "Request the credit Bureau". The system will ask you to complete a short questionnaire consisting of several questions. It will be necessary to enter your personal and passport details and e-mail address. The response will be sent to the email address will contain information on the Bureau that have a credit history. The last stage of verification is a formal request of information from these organizations. Ways of getting credit history you can ask our specialist on the phone or come to the office personally.

To check the credit history can be a more complex way. You will have to apply to any branch of any Bank or credit Bureau and to request the provision of necessary information to you. This method has one drawback. The information you provide, but please note that it can reflect inaccurate information. Credit history in different bureaus can vary, so for sure it is better to write queries in several organizations. If the response will indicate that the credit history you have there, it means either that you did not take loans and do not have delinquencies or your data is stored in another office.

Most of the banks, before granting the person a loan, be sure to make inquiries with the credit Bureau. Based on these data, a decision on the withdrawal or refusal. Some organizations provide a paid service through which you can at any time to check your credit reputation. Free to specify such data you can once a year on the official website of the Bank of Russia. Paid service can be used unlimited number of times.

Please note that when you apply the query information, for example, on the website of the Bank of Russia, you will need your "code entity." This code consists, as a rule, of fifteen digits and is indicated on your application to the Bank for a loan. If you don't remember or have no ability to recover such data, to know the information you need at the Bank where you took out the loan. It is better to apply to the credit institution in which you took the loan obligations for the first time.

There are many websites that offer their visitors to check the credit history. To trust such sources is not necessary. Information may be distorted or inaccurate. In addition, for the service, as a rule, you will need to pay a certain amount or to send a paid SMS from your mobile phone. If you need accurate and reliable data, it is best to consult official sources. To consider the information, for example, on the websites of the KJV or CCCI (Central catalogue of credit histories the Bank of Russia).