How to find out your credit history. Izvestia's instructions

A credit history (CI) is an important indicator of a borrower's integrity. Banks may refuse to issue funds to a person with a bad credit history or offer less favorable terms. Therefore, it is useful to check your credit history before contacting a financial institution. Read about how to do this in the Izvestia article.

What is a credit history?

A credit history is a comprehensive report that reflects a borrower's relationship with financial institutions. It contains comprehensive information about all loans received, their terms of service, and compliance with the payment schedule.

The credit history records:

• amounts and terms of loans received;
• timely repayment of debts;
• the presence of overdue payments;
• application of penalties;
• loan refusals;
• data on debt restructuring, bankruptcy, etc.

Financial organizations use this information to assess the reliability of a potential borrower. Based on the credit history, banks determine the terms of lending, including the amount of the interest rate and the limit of borrowed funds. The level of CI is determined by compliance with obligations to creditors. A positive characteristic is formed in the absence of delays and timely fulfillment of all contractual conditions.

There is a loan: the share of companies with overdue loans reached a record quarter

Which businesses delay payments the most and what is the risk?

What spoils your credit history:

• regular payment delays;
• the presence of unfulfilled obligations;
• judicial decisions on debt collection;
• unpaid administrative fines;
• delays in alimony payments, utility bills.

Even if a person has never applied for a loan from a bank, his credit history may be ruined. For example, if he has fines for traffic violations, debts to the mobile operator, etc.

Why check your credit history

Regular monitoring of the credit history allows you to control the accuracy of the information reflected in it and timely identify possible errors or fraud. It also allows you to better prepare for communication with banks, for example, before applying for a mortgage.

Where is the credit history stored?

Information about the financial activities of borrowers is accumulated in specialized organizations — credit bureaus (BCI). There are several such institutions in the Russian Federation. To find out exactly where the credit history is stored, you need to contact the Central Catalog of Credit Histories (CCCI). This database, created by the Bank of Russia, contains information on the distribution of credit histories across various bureaus.

The storage period of the credit history in the BKI is 7 years from the date of the last update of the information. After this period, the data is archived, but remains available upon request.

How to find out your credit history

There are several ways to get information about your credit history. Each method has its own characteristics.

Find out your credit history through Gosuslugi

The electronic portal provides simplified access to credit history location data. To use it, you need to log in and log into your personal account.

Procedure of actions:

• go to the "References and statements" section;
• select the service "Information about credit bureaus";
• submit a request for information;
• get a list of BKI with your credit history;
• go to the website of any of these bureaus and request a credit history report.

Out of reach: the share of refusals for retail loan applications has reached its highest level in a year

Eight out of ten applicants leave with nothing.

How to find out your credit history through the Bank of Russia

You can find out where your credit history is stored on the website of the Bank of Russia. To do this, you will need to find out the subject's code — a special identifier of the borrower. You can find it in the loan agreement, request it from the employees of the bank where the loan was issued, or arrange it yourself — for this you will have to write an application to the bank or BKI.

After that, you need to:

• send a request through the official website of the Central Bank of the Russian Federation;
• to receive a list of BKI by e-mail;
• contact one of the listed bureaus and get a CI report.

You can find out your credit history directly in BKI or through special services that banks cooperate with. Some financial institutions also provide customer information for a fee.

Is it possible to find out someone else's credit history

The credit history refers to confidential information protected by the legislation on personal data. It is not possible to access another person's data under normal circumstances. The right to perform such an operation may appear in exceptional cases.:

• if there is a notarized power of attorney from the subject of the credit history;
• if there is a written consent for verification;
• when exercising legal representation.

In all other situations, obtaining a third-party credit history is considered illegal and may result in administrative liability.

Earlier, the Bank of Russia spoke about the reasons for the increase in the number of overdue loans from companies.