Information for the formation of detailed reports is collected by credit history bureaus (CHBs) - these are companies that accumulate, process and store information about all people who have ever applied for loans, credits, credits. At the time of preparation of the material, 6 CHBs were entered into the Russian state register - 5 of them are registered in Moscow and another one in the Volgograd region.
To find out which bureaus store your credit history, you need to send a request to the Central Catalogue of Credit Histories (CCCH), created by the Bank of Russia specifically for these purposes. You can use the service through the State Services portal or the mobile application of many banks. An alternative option is to submit a direct request on the website of the Central Bank of the Russian Federation.
Why check your credit history
Most often, requests to the BKI are sent by people planning to anhui mobile number database apply for a loan or simply caring about their financial reputation. The report allows you to look at yourself through the eyes of the bank's security service specialists and preliminarily assess your chances of getting a loan. If it turns out that the rating has been lowered, there will be an opportunity to correct the situation. We have already talked abouthow to improve credit history, so let's not dwell on this and move on to the next points.
The second most popular reason is the desire to eliminate errors that could have been made by representatives of your creditors. Unfortunately, this is a fairly common occurrence. Despite the direct obligation to send data to the BKI, some financial institutions forget about it. As a result, information about "overdue payments" may be generated even for already repaid debts. The situation can be corrected, but to do this, you first need to find out about it, and then demand that the creditor enter the correct information into the report.
The third reason is the upcoming employment. As part of the applicant's check, the employer's security service may initiate a request for a credit history in all credit bureaus from the state register. There is an opinion that a low credit rating and current overdue payments may become arguments "against" sending a job offer to a specialist. But here it is important to understand that the request can only be made with the consent of the applicant.
Paid and free verification methods
Checking your credit history can be done for a fee or for free, independently or with the help of intermediaries. Let's talk about the available options and provide algorithms for the borrower's actions.
Important: during a calendar year, you have the right to contact the BKI twice for a free report. Subsequent requests within this period will be paid.