The credit history of any borrower is a pledgereceiving the next loan, as well as pledging a positive attitude of banks to his person. That is why, you need to closely monitor your credit history and know where you can get information about it. About this and talk. So:
How do you find out your entire credit history?
Follow yourself to clearly imagine what we are talking about. The credit history is the history of the borrower's contracts with creditors and the specifics of their performance, such as terms, interest, late payment, and so on. It is not difficult to guess that a positive credit history is a story without debts. It consists, as a rule, of three parts:
- The title part - information about the borrower (personal data);
- The main part - information about the amounts, terms, percentages and all details of the deal with the creditors;
- An additional part is information about creditors and users of the borrower's credit history.
At the moment the system of stories is organized inBKI (bureau of credit histories). There are only three large bureaus on the territory of the Russian Federation, however, the number of well-known borrowers exceeds ninety five and a half million people.
The main way to find out your credit history:
A little higher, we said about BKI. This is where the information about you and your loans is stored. The main question is which bureau to look for? For this, there is a special body of state power. CCCH is the central catalog of credit histories. This structure is part of the Bank of Russia and its powers include tracking and accumulating all credit history on the territory of the Russian Federation. Actually, you can contact the CCCH, and find out which bureau your credit history is kept in.
There is one "BUT". In the event that you did not consent to sending your credit history to the BCH (and you have a full right to do so), then there will not be any information about you in the public domain. When concluding a loan agreement, as a rule, any creditor includes an item on the conduct of a credit history in a model contract.
How to learn credit history online?
At the moment and it's possible! On the official website of the Bank of Russia you can find out information about your data (in which BCH they are stored) using a specially created service. In order to use it you will need an individual code of the borrower, which must be specified in the contract with the bank. If it does not exist, the code needs to be issued. The easiest way to do this is in the nearest CRI. (it will cost 300 rubles). Through the Internet, you will not be able to find out your credit history.
How to get a report on your loans?
There are two ways. The first is a personal visit to the BCH and the preparation of a statement in free form addressed to the director of this BCH. By law, the report in this case must be provided within 10 working days from the date of the client's request.
If you do not have the opportunity to personally visit the BCH, you can send a notarized telegram to the bureau, which will also be the basis for the formation of a report on your credit history.
Unfortunately, not many citizens know that theyhave the right to receive a report free of charge once a year. Incidentally, this is enshrined in the legislation of the Russian Federation, which, of course, must be invoked if a controversial situation arises. All other requests are paid. Most BCHs use ignorance of people and offer to immediately pay for the formation of the report. Typically, the amount varies between 250-500 rubles for one report.
The mechanism for obtaining a credit history report is very simple, but remember that this information should be well protected from any prying eyes. This will keep your finances intact.