Credit history - how to check your credit history for free + TOP-4 ways to learn CI by last name via the Internet (online)

Welcome readers of the online magazine "Rich Pro"! Today we’ll talk about the credit history - what it is, how you can find out and check your credit history for free by your last name (or passport) via the Internet, where it is better to order and see CI online 🖥.

After reading the article, you will also learn:

• why you need to know your own credit history;
• Is it possible only by passport to check your CI at once in all databases;
• how to quickly get a credit report on the Internet from BKI.

At the end of the publication, we traditionally answer the most popular questions on the topic.

So, we are starting!

About what a credit history is, how to find out (check) your credit history for free by your last name via the Internet and where you can see KI online by passport - read in our issue

1. What is a credit history and why is it needed - a complete overview of the concept

Let's start by defining a credit history.

Credit history - this is information about the borrower (a specific person or company), characterizing the fulfillment of obligations to return money received from a loan from a bank, MFIs and other organizations.

In most cases, credit history (CI) is used by financial institutions when deciding on the possibility of issuing another loan.

What information is contained in the credit history of the borrower and where can I get my CI (free and paid)

At its core, CI is a document that includes 3 section.

Section 1. Title

The title section includes basic information about the borrower, as well as abbreviated information about his loans.

Sample title part of a credit history of an individual

It contains the following information:

1. Personal information about the borrower. It includes the surname, name and patronymic, as well as the date and place of birth;
2. Identity - address of registration and residence, as well as telephones;
3. Summary data - the number of loans, both timely paid and overdue, the amount of debt at the moment, the current state of settlements.

The title section also contains information about how many credit reputation requests were submitted. Most often, banks are interested in the borrower's reputation when applying for a loan or refinancing a loan.

Section 2. The main part

The main part contains a detailed transcript of financial transactions. This section includes information on loans issued and the procedure for servicing them.

The bulk of the borrower's credit history

The main part of the report contains the following information:

1. Type of issued loan - consumer, card, car loan, mortgage;
2. Basic conditions of the loan agreement - the size of the payment, the frequency of its payment, the start and end dates of the agreement;
3. Quality of fulfillment of loan obligations - the number of returned, current and past due loans, as well as transferred to collection services;
4. Balance, that is, information about the amount of debt at the moment.

For this purpose, color highlighting is used for greater clarity:

• green loans allocated in the report are repaid without violation;
• yellow - loans with small arrears;
• in red - loans for which payment deadlines were seriously violated;
• black - non-repayable loans, as well as collection.

Borrowers must understand what with 2015 In the year, the credit history dossier also includes information on other debts, including child support, utilities, fines.

Section 3. The closed part

This section contains confidential information. Here is information about how the presented credit history was formed. In other words, who transferred the data to the BCI, as well as who requested information.

Additional (closed) part of the CI report

FROM 2014 Any company has the right to receive information from credit reputation (from the title and main sections). However, this requires written permission from the borrower. A brief description of the sections of the credit report is presented in the table below.

Table: “Sections of the credit history report and the information contained therein”

2. Why do I need to know my credit history?

It’s good for citizens to know their own credit history. At the same time, it is worthwhile to periodically study the report even for those who have never drawn up loans. This will help to eliminate a number of troubles.

The reasons for periodically requesting information from a credit history may be different:

1. Exclusion of fraud. Often, loans are issued on forged documents. As a result, the owner of the passport may not know that he has become a borrower. Most often, this situation arises in the field of microloans. Often, MFIs issue microloans using a copy or a photograph of a passport. Therefore, it is important to ensure that they do not fall into the hands of dubious individuals. It will also be useful to check the information from the BKI to those who have ever lost their passport.
2. Correction of incorrect information. Errors are present in all areas of activity, including banking. Most often, in this area, inaccuracies are associated with the human factor, as well as with software failures. As a result, errors can distort the credit report, and the borrower's reputation may be damaged without his participation.
3. Assessment of the probability of a positive decision on loan applications. If you plan to apply for a new loan, most likely, the bank, when evaluating a potential client, will request its credit history from the BCI. Based on the reputation of the borrower, the lender concludes on his good faith. If the credit reputation is damaged, the amount can be substantially reduced on the application for a loan, or a negative decision may be made at all. Read about how and where to get a loan with bad credit history without refusal in one of our articles.
4. Checking the absence of a ban on traveling abroad. Often, borrowers are faced with the fact that they are not allowed out of the country due to outstanding debt obligations. In order not to be in an unpleasant situation, it is worthwhile to check in advance. The exit ban is valid in case of debt exceeding 30 000 rubles. To leave, payment should be made in advance - approximately for 3 weeks before the date of travel. Experts recommend after repayment, turn to the bailiffs to lift the ban on leaving. If you do not take such measures, the document may not have time to reach the border guards.
5. Exclusion of the possibility of interaction with collection services. To repay their own funds, banks take various measures against debtors. Often work with such clients security Service, as well as collection agencies. Despite the fact that their actions are strictly regulated by law, interaction with them can be extremely unpleasant.

In this way, there are many reasons why citizens need to regularly check the information contained in their own credit history.

The main ways to check your credit history (free and for money)

3. How to find out your credit history - 4 proven ways to see CI 🔎

There are many ways to request a report on your own credit history. When deciding which one to use, it is important to understand that information about the borrower is often stored at once in several bureaus and can differ significantly in different BKIs.

That is why experts recommend first finding out exactly where the information about you is stored. For this, it is possible to contact Central catalog of BKI. The request here can be made using the official website of the Central Bank of the Russian Federation.

However, in addition to personal data, you will need to specify credit code. If the borrower is not known, it is worth contacting the financial institution where the loan was issued.

Allocate 4 main ways to get and see information about your own credit history. Each of them is described in detail below.

Method 1. Contacting the BKI directly ✔

Despite the fact that in our country today there are more 20 credit bureau, over 90% of all information about borrowers is concentrated in 4 yoh of them.

The largest BCIs are:

1. National Bureau of Credit Histories (NBCH);
2. Equifax Credit Services;
3. Credit Bureau Russian Standard;
4. Joint Credit Bureau.

When the borrower knows in which particular information and information storage systems information about him is stored, it is better to contact these bureaus immediately. There are several ways to do this:

• visiting the office of the bureau;
• sending a written request, eg, in the form of a telegram;
• via the Internet, if a particular bureau provides such an opportunity.

BKI collects, saves and processes information about citizens who have issued loans. In addition, the bureau generates and provides, upon request of financial companies, as well as individuals, credit history reports.

BKI provides citizens with various services:

1. Providing a report on the credit history of the borrower. Statistics confirm that such a service is most popular. For her in the BCI apply individualsThose wishing to clarify their credit history, as well as legal entitieswho need to check the reliability of a potential customer.
2. Formation of a certificate containing detailed information about BKI, storing information about the borrower. Such a document may be needed in situations where it turned out that information about an individual is contained in several bureaus. It is important to understand that information can vary significantly - in some BKI information can be negativein others - positive.
3. Correction of inaccuracies and errors in credit history- This is another of the functions of the CCI. Through the credit bureau, you can dispute the information in the report.
4. The ability to get or change a credit history code.By submitting such a request, the borrower must present an identity document.

Once every 12 months a bureau credit report is free of charge.

Method 2. Contacting a bank branch that is an agent of BKI ✔

You can request a report on the reputation of the borrower by contacting a financial organization that is an agent of BKI.

Such services are provided by the largest banks, including Renaissance Credit, VTB Bank of Moscow, Post Bank, Binbank, as well as some regional financial companies. It is best to check the possibility of receiving such a service directly at the branch of a credit organization.

To draw up a report in this way, you should go to the agent bank of BKI and write the appropriate statement. As a rule, this takes no more than15 minutes.

Keep in mind that unlike BKI, banks charge a fee for submitting a credit report. In most cases, it is in the range from 800 to 1,300 rubles.

Big plus (+) the considered method is the lack of the need to contact a notary to certify the document.

Method 3. Via the Internet Bank ✔

Today, any client of a large bank can easily check their own credit reputation online. In most cases, to send a request, it is enough to log in to your account and select a service "Request for a credit history".

The report in this case is levied commissions, which is usually debited directly from a bank card. It should be understood: banks cooperate with specific BKIs from which a report will be provided.

Method 4. Using credit history assessment services ✔

Recently, the popularity of services that allow borrowers to evaluate credit history has increased. They provide in just a few minutes mini statement. It contains borrower rating, as well as basic information - number of loans and overdue debt.

Despite the brevity of the report received, the service is popular. This is explained high speed of information, as well as low costwhich will be only about 300 rubles.

The following services are most popular:

• My rating;
• Moneyman;
• Cbc.

The presented methods allow you to get a credit history report. The choice between them depends primarily on the desire of the borrower.

How to watch a credit history on the Internet for free (online) by last name in 2 easy steps - instructions for beginners

4. How to check your credit history for free via the Internet (online) by last name and passport - step by step instructions

A citizen can receive a report on his own credit reputation in various ways. Due to the active development of the Internet in recent years, options that provide the opportunity to do this are especially popular. in online mode.

It takes a little time to get credit information online. However, in order for the process to really be quick and correct, you should first study the following step by step instructions.

Step 1. Find out in which BCI credit history is stored

To receive a report on your own credit reputation, you will first have to find out where is the data about you. It is important to understand: to get information you need credit history code. It is issued by banks in the process of drawing up a loan agreement.

If for some reason there is no code or it is forgotten, you will first have to visit the nearest branch of any bank. Here, upon presentation of a passport, you can issue a request in order to obtain a new code.

Next, you will need to perform the following sequence of actions:

1) Open the official Internet portal of the Central Bank of the Russian Federation (www.cbr.ru/ckki/) Here you need to find the item “Central catalog of credit histories”. After selecting this section, follow the link “Request for data on a credit bureau”.

Action number 1. We follow the link "Request for information about BKI"

2) By clicking on the item "Subject", the borrower must fill out the application form. To do this, enter last name, first name and patronymic, as well as the data of an identity document, as a rule, passports.

In addition, you will need to specify credit history code, as well as email.

Action number 2. Click on the "Subject" button

3) When the necessary information is entered into the form, it will remain in the field of acceptance of the application by ticking ✔. After that, press the button "Send data".

Action number 3. We send our data to obtain information about the BKI, in which the borrower's file is stored

The report on the location of the applicant's data is sent in the form email.

Step 2. Get a credit history

When the list of BCI is received, you can proceed directly to request data from them. To do this, follow the following sequence:

1. Go to the official website of the BKI and register on it. To do this, you will have to enter the requested data in the proposed form. It is important to consider that the search for information about the applicant is carried out according to the passport. Therefore, it is important to indicate all the information as carefully as possible. If you make a mistake when filling out the form, information about the credit history will not be found.
2. Give your consent to the processing of personal data by ticking the appropriate box. This is an important condition for submitting a report from the BKI. If you do not do this in the process of generating a request, the bureau will refuse to provide information.

Consent to the processing of personal data and obtaining a credit history in OKB (United Credit Bureau)

Before the BCI provides the applicant with a CI report, he will have to go through an identification procedure.

The following identification methods are provided:

• visit the office of the BCI with a passport;
• pass a check on the Internet portal;
• send via registered mail a registered letter with a request that is certified by a notary;
• invite the courier home;
• in partner banks;
• at the offices of the Contact system.

Remote online authentication through Equifax

When the CI report is ready, it is delivered to the applicant in various ways:

1. by registered letter to the address of residence;
2. by courier;
3. through the office of the Contact system;
4. electronic;
5. by personally visiting the branch of the BKI.

If the borrower data is stored in several bureaus at once, for the sake of saving time, experts recommend contacting their partners to obtain a report. It can be any bank, Credit agency, Banki.ru Service.

It is important to remember: requesting a report on your own credit reputation without paying a commission is only possible 1 times throughout 12 months. If you want to make requests more often, you will have to pay for each of them. Usually the commission is from 300 before 1 000 rubles.

In addition, there are BCIs that allow subscribe to updates of your own credit reputation. In this case, after each change in the report, the client receives a notification. This allows you to quickly track changes in credit history and will help to avoid fraudulent activities.

The subscription service for updates in KI is provided by:

• NBCH;
• Equifax;
• Mycreditinfo.

5. Is it possible to check the credit history of all databases independently?

Borrowers need to understand that a unified credit history database has not been developed. Information is stored in the credit history bureau, of which more than one operates in our country 2dozens.

However, all BCIs are registered in Central Catalog of Credit Histories. Borrowers can contact here to find out exactly where the information about them is located.

To form inquiry in the Central Directory of Credit Histories (CCCH), you must go to the website of the Central Bank of the Russian Federation. Here you must fill out the form with the obligatory indication credit history code.

If the code is unknown or lost, you must first restore it. For this purpose, you must contact the bank that issued the loan or to the BKI.

After the form is completed, the request can be sent to CCKI. When report will be formed, it will be sent to the borrower by letter to the email address indicated in the application.

The central catalog of credit histories is not a single information base. Therefore, there is no storage of information about loans and their servicing. Borrowers in this organization can obtain information. exclusively about which BQIs have information about them.

Where to order and how to get a credit history quickly and inexpensively

6. Where else can I order and get a credit history from BKI - overview of options

There are many ways to get a report on your own credit history. Some of them have already been considered in the presented publication earlier.

More are described below 2 popular ways to find out your credit history.

Option 1. Order a credit history in the Euroset communication salon

Not so long ago in Salons of communication "Euroset" a service has appeared that allows you to order a report on your own credit history. To this end, you must visit the company branch.

How to order a credit history in Euroset

Turning to the operator should show passport. After that it will be issued inquiry to provide a report from credit standing. It is important to understand that the service is paid. The commission for it is about1 000 rubles.

A service called "The perfect borrower". By paying order 500 rubles, available instruction, which will help to fix the damaged reputation. It is developed using a scoring assessment of the borrower's reputation, as well as the period for which he wants to rectify the situation.

Our site also has an article on how to fix your credit history yourself.

Option 2. Obtain a credit history through the Credit Information Agency (AKRIN) service from the NBCH

The report can be ordered using specialized service AKRIN. The agency is the largest official representative of the National Bureau of Credit Histories.

At AKRIN, the borrower can use the following services:

• order a certificate from the Central Catalog of Credit Histories;
• receive an extract, as well as a credit report from the National Bureau of Credit Histories;
• request information from BKI "Russian Standard";
• contest the data contained in the credit report from the National Bureau;
• generate a new credit history code;
• get information about the scoring assessment of the borrower;
• activate the service of informing via SMS about changes to the credit history;
• Check car encumbrance information.

How to get a credit history online from a partner of NBKI - ACRIN

The borrower can get information about the credit history. in online mode. To do this, you need to register a personal account and go through the identification procedure. If you need advice from an ACRIN employee, you can get it as by phoneand through Email.

Experts believe that the service in question is perfect for those who want to regularly check their own credit history. The cost of the services provided here is relatively low. At the same time, payment can be made not only using bank cardbut also through popular electronic wallets - Yandex money and WebMoney.

7. Answers to frequently asked questions (FAQ)

Many borrowers are trying to learn as much as possible about the concept of credit history. That is why many issues arise on this topic. Answers to the most popular of them are presented below.

Question 1. How to see a credit history on the Internet (online) for free through government services without registration?

Recently growing popularity state service "State Services". With it, you can get popular services.

However, despite the fact that the service collects a large amount of information about the user, he is in no way connected with credit organizations. Therefore here impossible order and check your credit report no charge, nor free.

Question 2. Is it realistic to know (check) a credit history only by last name?

Many people want to know whether it is real to know a credit history by only one last name. However, such an opportunity in our country no. This is primarily due to the confidentiality of information.

For security reasons, credit history data may be obtained only certain categories of individuals and organizations.

Moreover, in Russia there is a huge number of namesakes with the same name and patronymic, and sometimes even the date of birth. In such a situation, it is possible to identify a specific borrower only if passport data is provided.

Question 3. How many times can I request a credit history for free in the BCI?

To obtain a report from the credit history, the borrower should apply to the BCI with an identity document. Once a year such a service can be obtained absolutely is free.

If for any reason the borrower wishes to clarify the information repeatedly during the year, he will have to pay commission. The cost of the service is usually several hundred rubles.

Often, BCI employees do not inform borrowers of the opportunity to obtain information from their credit history for free and charge a fee for this service. Meanwhile, such a right is enshrined in law in article 8 ФЗ-218 "About credit histories". Therefore, you can safely demand a free report from the BCI.

8. Conclusion + video on the topic

To maintain their own reputation, any citizen who has ever drawn up a loan should know how to verify information about their own credit history. It is useful to possess such information and those who have never drawn up loan agreements. This will help eliminate fraud.

Do not forget that Once a year You can get a credit report for free. This right should be used by absolutely everyone in a timely manner to monitor changes in their data.

We also recommend watching a video on how you can find out your credit history for free (1 time per year) via the Internet:

That’s all with us.

If you have any questions, comments or additions on this topic, then write them in the comments below. We will also be very grateful if you share the article with your friends in social networks.

See you soon on the pages of our online magazine "Rich Pro"!

Watch the video: A Secret Code in Credit Card Numbers (April 2024).