Since 2005, a unified credit dossier bureau has appeared in Russia. Now the lender knows how to find out the
credit history of a potential borrower. These organizations collect all the information about bank customers who used credit services.
Thanks to BCI, financial institutions can protect themselves from the risks of default and provide loans only to reliable customers.
How to find out a credit history quickly?
Any physical citizen or bank can find out about previously issued loans. Information may also be provided on how the loan was repaid, whether there were debts. It should be borne in mind that a citizen can recognize only his own file.
You can get your credit dossier for free only once a year. When you apply again, you will have to pay a fixed amount.
If the borrower knows his personal code, which was assigned to him when concluding the loan agreement, then you can find out the credit history via the Internet. To do this, go to the official website of the Central Bank, in the section "Catalog of credit histories". In this section you must enter your passport data and a digital access code for the dossier. This is the fastest and easiest way to familiarize yourself with your credit history.
Where can I find out a credit history if there is no personal access code?
If you do not know the personal code, you must send a letter with notarized data and a signature to the Central Bank (a sample letter is presented on the official website of the bank) and wait for a response. The Central Bank will send a response letter stating the address of the bureau where your data is stored.
But how to find out a credit history, knowing only the address of BKI?
You can contact the bureau at the location address. You must contact in person with a passport. To receive the story, you will need to fill out a written request. In response to a written request, information will be provided within a week.
If you don’t have time to wait and this method of obtaining information seems difficult for you, you can simply contact the bank that recently refused you. At the time of applying for a loan at the bank, you can always write an application in which you ask to familiarize yourself with your file. So you can get information on your own debts several times for free.
What if you find an error?
Unfortunately, banks are sometimes mistaken. This happens in most cases due to non-operational work: the borrower closed all its obligations, and the bank did not provide data to the credit bureau.
As a rule, the borrower falls into the "black list" in case of violation of the terms of payment. But when he corrected his situation and repaid the required payments in full, he still continues to be listed as a dishonest borrower. Information does not have time to be updated instantly. In this case, it is necessary to provide the bank with documentary evidence that the debts have been paid off, and contact the BKI for changes. You can check the changes after a few days. After all, how to find out a credit history is now no secret to you.