Since 2005, a single bureau of credit dossiers has appeared in Russia. Now the lender knows how to find out the credit history of the potential borrower. The data of the Organization collect all information about the Bank's customers who used lending services.
Thanks to the BKA, financial institutions can protect themselves from non-return risks and provide loans only to reliable customers.
How to find out a credit history quickly?
Any physical citizen or bank can learn about previously issued loans. Information may also be provided on how the loan was repaid was whether there were debt. At the same time, it is necessary to take into account that a citizen can find out only his own dossier.
You can get your credit dossier only once a year. When repeated handling, you will have to pay a fixed amount.
If the borrower knows his personal code, which is assigned to him when conclusted, you can find your credit history over the Internet. To do this, go to the official website of the Central Bank, to the "Catalog of Credit Stories" section. In this section, you must enter your and digital access code to the dossier. This is the most fast and easy way to familiarize yourself with your credit history.
Where can I find your credit history if there is no personal access code?
If the personal code is not known to you, you need to send a letter with data and signature to the Central Bank (sample letter is presented on the official website of the bank) and wait for an answer. The Central Bank will send a response letter in which the address of the bureau will be specified where your data is stored.
But how to find your credit history, knowing only the address of the BKA?
You can contact the Bureau at the location. It is necessary to contact personally, having a passport with yourself. To get a story, you will need to fill in a written request. In response to a written request, information will be provided within a week.
If there is no time to wait and this method of obtaining information seems difficult to you, you can simply contact the bank that you recently refused. At the time of submitting a loan application in a bank, you can always write a statement in which ask to familiarize yourself with your dossier. So you can get several times the information on our own debts is completely free.
What if you find a mistake?
Unfortunately, banks sometimes mistaken. This is happening in most cases due to inoperative work: the borrower closed all his obligations, and the bank did not provide these to the Credit Bureau.
As a rule, the borrower falls into the "black list" in violation of the payment time. But when he corrected his position and redeemed mandatory payments in full, he still continues to be listed as a dishonest borrower. Information does not have time to update instantly. In this case, it is necessary to provide a documentary confirmation in the bank that debts are repaid, and contact the BKA to make changes. You can check the changes later a few days. After all, how to find out a credit history - now it's not a secret for you.
