How to check your credit history

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2024-01-13 00:26

Checking your credit history will help you assess the chances of getting a new loan and prevent fraudsters.

What is credit history

A credit history is information about how many loans a citizen has and how faithfully he returns money.

Bank specialists use this data to decide whether to issue a loan to a client and on what terms. A good credit history gives you the right to qualify for a lower interest on the loan, as the bank assumes that you will pay off on time. With a bad financial record, the loan may not be approved.

Why do I need a credit check

Knowing your credit history will come in handy in three cases:

1. You are about to take out a loan and want to assess the chances of getting it.
2. You are denied a loan or mortgage for unknown reasons, and you suspect that the problem is in your credit history.
3. You are afraid that scammers could take out a loan in your name.

How to check your credit history

Find out which credit bureau holds your financial file

Information about borrowers is stored in the credit bureaus, a complete list of which is available on the Central Bank website. Credit organizations cooperate with different bureaus, so information about you may appear in any of them or even in several. To find out where exactly, send a request to the Central Catalog of Credit Histories of the Central Bank in one of the following ways:

1. Through any bank or microfinance organization with a personal visit (take your passport with you).
2. Through any credit bureau with a personal visit.
3. A telegram certified by a mail officer and sent to the address 107016, Moscow, st. Neglinnaya, 12, TsKKI. It must contain the surname, first name, patronymic, full passport data, e-mail address to which the requested information will be sent (the @ symbol in the address is replaced by (a), the "_" sign is recommended to be written with the words "underscore").
4. Through a notary.
5. On the website of the Central Bank. To do this, you need a credit history subject code. You had to come up with a special combination of alphabetic and numeric symbols to access the online database of the Central Catalog of Credit Histories at the time of the loan.
6. Through "Gosuslugi" - they promise to send the data within 24 hours, in reality, the answer to the request may come in a few minutes.

Personal data will be filled in automatically. If not, add them manually.

Soon you will have access to a document that can be downloaded or sent by mail.

It lists the organizations where your credit history is stored.

If for some reason the code of the subject of the credit history was not generated (for example, you received the last loan before 2006, when such identifiers did not exist yet) or you have forgotten it, contact any bank. To obtain an identifier code, you only need a passport. The second option is to visit any credit bureau.

If you do not have the code, contact your bank or credit bureau. So you will immediately receive information about where your financial dossier is stored, and a code that will be useful to you in the future for similar operations.

Send a request to the credit bureau

If your credit history is stored in several bureaus, you will have to contact each one. Twice a year, information can be obtained free of charge in each of the BCIs. For the third and subsequent requests you will need to pay an average of 300-500 rubles. There are several ways to apply for a credit history:

1. With a personal visit to the office of the bureau or its regional partners.
2. Send a telegram to the postal address of the bureau, which must be certified by a postal employee.
3. Send a request by mail. In this case, the personal signature of the applicant must be certified by a notary.
4. Submit an online request if the credit bureau provides this opportunity. Thus, Equifax Credit Services LLC has a service called Online Credit History. You can apply to the East European Credit Bureau on the official website.
5. Order a credit report online through a bank, if it provides such a service. However, organizations can only cooperate with selected credit bureaus. You can get a credit history at Sberbank, B&N Bank, Tinkoff Bank and others. You will have to pay for mediation.
6. Use the services of services for evaluating commercial history: "My rating", BKI and the like. For a fee, they will not only collect your financial dossier, but also draw up a credit rating based on it. It shows the level of creditworthiness of the customer and predicts the chances of obtaining a loan.
7. On the BCI website using the "Gosuslug" account. This feature is now available with most organizations that keep credit histories.

For example, on the website of Equifax Credit Services LLC, you first need to register in a standard way, specify your personal data, confirm your email and phone number. After that, it will become available to obtain a credit history using the "Gosuslug" account.

In a few minutes, the credit history will be available for download.