How to find out your credit history: instructions + ways to check CI for free by last name via the Internet (online)

Author Yakovleva Galina 19 min read Published 2021-11-16 Updated 2021-11-16 Welcome readers of the online magazine “RichPro.ru”! Today we'll talk about credit history – what is it, how can you find out and check your credit history for free by last name (or passport) via the Internet, where is it better to order and watch CI online?

After reading the article, you will also learn:

  • why you need to know your own credit history;
  • is it possible to check your CI immediately using your passport only in all databases;
  • how to quickly get a report on credit history on the Internet from the BCH.

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

So here we go!

About what a credit history is, how to find out (check) your credit history for free by last name via the Internet and where can you look at CI online using your passport? – read our release

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

Let's start with the definition of credit history.

Credit history is information about the borrower (a specific person or company) that characterizes performance obligations to return money borrowed from a bank, MFO and other organizations.

In most cases, credit history (CI) is used by financial institutions when deciding whether to issue a next loan.

What information is contained in the borrower's credit history and where you can get your CI (free and paid)

In essence, CI is a document that includes 3 sections .

Section 1. Title section

Title section includes basic information about the borrower, and abbreviated information about his loans.

Sample title part of an individual's credit history

This contains the following information:

  • Personal information about the borrower. It includes the last name, first name and patronymic, as well as the date and place of birth;
  • Identification data – registration and residence address, as well as phone numbers;
  • Summary – the number of loans, both timely paid and overdue, the amount of debt at the moment, the current state of payments.
  • The title section also contains information about how many inquiries about credit reputation was filed . Most often, banks are interested in the reputation of a borrower when applying for a loan or refinancing a loan.

    Section 2. Main part

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

    The main part of the borrower's credit history

    The main part of the report contains the following information:

  • Type of loan issued – consumer, card, car loan, mortgage;
  • Basic terms of the loan agreement – the amount of payment, the frequency of its payment, the start and end dates of the agreement;
  • Quality of fulfillment of credit obligations – the number of returned, active and overdue loans, as well as those transferred to collection services;
  • Balance , that is, information about the amount of debt at the moment.
  • For this purpose, for greater clarity, highlighting is used:

    • green loans that were repaid without violations;
    • yellow – loans with slight delays;
    • red – loans for which the deadlines for making payments were seriously violated;
    • black – unpaid loans, as well as foreclosures.

    Borrowers must understand that since 2015 , the credit history file also includes information about other debts, including alimony , utilities , fines .

    Section 3. Closed part

    This section contains confidential information. Here is information about how the presented credit history was formed. In other words, who submitted the data to the BCH, and who requested the information.

    Additional (closed) part of the CI report

    Since 2014 , any companies have the right to receive information from the credit reputation (from the title and main section). 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 report and the information they contain”

    Section of credit history
    Contained information

    1) Title section
    Basic information about the borrower

    Brief information about issued loans

    How many requests for credit history were

    2) Main section
    Detailed explanation of financial transactions – information about issued loans and the procedure for servicing them

    It contains information not only about loans, but also about alimony, fines, utilities debts

    3) Closed section
    Contains confidential information about who submitted information to the bureau and who requested it

    2. Why do you need to know your credit history?

    It is useful 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 taken out loans. This will help eliminate a number of troubles.

    There may be various reasons why you should periodically request information from your credit history:

  • Fraud exclusion. Often, loans are issued using 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, MFOs issue microloans based on a copy or photo 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 BCI for those who have ever lost their passport.
  • Correction of incorrect information. Errors are present in all spheres 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 can be damaged without his participation.
  • Evaluation of the likelihood of a positive decision on loan applications. If you plan to issue a new loan, most likely, the bank, when assessing a potential client, will ask the BKI for his credit history. Based on the reputation of the borrower, the lender makes a conclusion about his good faith. If the credit reputation turns out to be damaged, the amount may be significantly reduced upon the application for a loan, or a negative decision may be made altogether. Read about how and where to get a loan with a bad credit history without rejection in one of our articles.
  • 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 find yourself in an unpleasant situation, it is worth checking in advance. The ban on leaving is valid in the event of a debt exceeding 30,000 rubles . To leave, the payment should be made in advance – approximately 3 weeks before the travel date. Experts recommend after maturity to contact the bailiffs to lift the travel ban. If such measures are not taken, the document may not reach the border guards in time.
  • Exclusion of the possibility of interaction with collection services. To recover their own funds, banks are taking various measures in relation to debtors. Often these clients are handled by security service , as well as collection agencies . Despite the fact that their actions are strictly regulated by law, interacting with them can be extremely unpleasant.
  • Thus, here 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 of charge and for money)

    3. How To Find Out Your Credit History – 4 Proven Ways To See Your 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 in several offices at once and may differ significantly in different BCHs.

    That is why experts recommend that you first find out exactly where information about you is stored. To do this, it is possible to contact BKI Central Directory . A request can be made here using the official website of the Central Bank of the Russian Federation.

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

    There are 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 BCI directly ✔

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

    The largest BCHs are:

  • National Bureau of Credit Histories (NBCH);
  • Equifax Credit Services;
  • Russian Standard Credit Bureau;
  • United Credit Bureau.
  • When a borrower knows which credit card information about him is stored in, it is better to contact these bureaus right away. There are several ways to do this:

    • visiting a branch office;
    • making a written request, for example in the form of a telegram;
    • via the Internet, if a particular bureau provides such an opportunity.

    BKI collects, stores and processes information about citizens who took out loans. In addition, the bureau forms and provides, at the request of financial companies, as well as individuals, reports on credit history.

    BCI provides various services to citizens:

  • Providing a report on the borrower's credit history. Statistics confirm that this service is the most popular. It is requested by individuals who want to clarify their credit history, as well as legal entities who need to check the reliability of a potential client.
  • < strong> Formation of a certificate containing detailed information about the credit card 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 offices. It is important to understand that the information may vary significantly – in some CRIs the information may be negative , in others it may be positive .
  • Correction inaccuracies and errors in the credit history – this is another of the functions of the credit history. You can dispute the information in the report through the credit bureaus.
  • Ability to obtain or change the credit history code. When submitting such a request, the borrower must submit an identity document.
  • Once every 12 months credit report at the bureau is provided free of charge .

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

    You can request a report on the borrower's reputation by contacting a financial institution that is an agent of the CHB.

    < p> Such services are provided by the largest banks, including Renaissance Credit , VTB Bank of Moscow , Pochta Bank , B&N Bank , as well as some regional financial companies. It is best to check the possibility of obtaining such a service directly at the branch of the credit institution.

    To draw up a report in this way, you should go to the agent bank of the BKI and write a corresponding application . This usually takes no more than 15 minutes.

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

    A big plus (+) the considered method is that there is no need to contact a notary to certify the document.

    Method 3. Via Internet Banking ✔

    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 personal account and select the “Request for credit history” service .

    In this case, the report is provided with a charge of commission , which is usually debited directly from a bank card. It should be understood: banks cooperate with specific CHBs, from which the report will be provided.

    Method 4. Using services for assessing credit history ✔

    Recently, the popularity of services that allow borrowers to assess their credit history has grown in popularity. They provide mini-statement in just a few minutes. It contains the 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 by the high ↑ speed of obtaining information , as well as low ↓ cost , which will be only about 300 rubles.

    The following services are most popular:

    • My rating ;
    • MoneyMan ;
    • ZBKI .

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

    How to view credit history on the Internet for free (online) by last name in 2 easy steps – instruction for beginners

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

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

    To get information about your credit reputation through internet, take a little time. However, for the process to be really fast and correct, you should first study the step-by-step instructions below.

    Step 1. Find out in which credit history is stored

    To get a report on your own credit reputation, you first have to find out where we have data about you . It is important to understand: to obtain information, you need a credit history subject 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 your passport, you can make a request in order to receive a new code.

    Next, you need to do the following:

    1) View the official portal of the Central Bank of the Russian Federation ( www.cbr.ru/ckki/). Here you need to find the item “Central directory of credit histories” . After selecting this section, follow the link “Request for information about credit bureaus” .

    Action # 1. Click on the link “Request for information about the BCH”

    2) By clicking on the item “Subject” , the borrower must fill out the questionnaire that appears. To do this, you will need to enter your last name, first name and patronymic , as well as the details of an identity document, usually a passport .

    In addition, you will need to specify credit history subject code and email .

    Action # 2. Click on the “Subject” button

    3) When the necessary information is entered in the form, it will remain in the field on consent to the transfer of the application to tick ✔. After that, press the button “Send data” .

    Step №3. We send our data to receive information about the CRI, in which the borrower's dossier is stored

    The report on the place of storage of the applicant's data is sent in the form of an email .

    Step 2. we obtain credit history

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

  • Go to the official website of the BCI and register on it. To do this, you will have to enter the requested data in the proposed form. It is important to take into account that the search for information about the applicant is carried out according to the data of the passport. Therefore, it is important to indicate all information as carefully as possible. If you make a mistake when filling out the form, your credit history information will not be found.
  • 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 BCI. If this is not done during the process of forming the request, the bureau will refuse to provide information.
  • < p>

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

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

    The following identification methods are provided:

    • visit the BKI office with a passport;
    • be checked on the Internet portal;
    • send a certified letter via the Russian post, which is certified by a notary;
    • invite the courier home;
    • at partner banks;
    • at the offices of the Contact system.

    Remote online identification via Equifax Bureau

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

  • by registered mail to the address of residence;
  • by courier;
  • through the office of the Contact system;
  • in electronic form;
  • by personal visit to the BCI branch .
  • If the borrower's data is stored in several bureaus at once , experts recommend, in order to save time, to contact their partners in order to obtain a report. It can be any bank , Credit History Agency , Banki.ru Service .

    Important remember: it is possible to request a report on your own credit reputation without paying a commission only 1 times within 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 to 1,000 rubles.

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

    The service of subscription to updates in KI is provided by:

    • NBCH;
    • Equifax;
    • Mycreditinfo.

    5. Is it possible to check the credit history for all databases on my own ??

    Borrowers must understand that a unified base for credit histories has not been developed. The information is stored in credit bureaus, of which there are more than 2 dozen operating in our country.

    However, all BCHs are registered in the Central Directory of Credit Histories . Borrowers can contact here to find out where their information is located.

    To form a request in the Central Catalog of Credit Histories (CCCI), you need to go to the website of the Central Bank of the Russian Federation. Here you must fill out a form with the obligatory indication of the code of the subject of credit history .

    If the code is unknown or lost, you will first have to restore it. For this purpose, it is necessary to contact the bank that issued the loan or the BCH.

    After the form is completed, the request can be sent to the CKKI. When the report is generated, it will be sent to the borrower by letter to the email address specified in the application.

    The Central Directory of Credit Histories is not a unified information base. Therefore, it does not store information about loans and their servicing. Borrowers in this organization can receive information exclusively about which CRIs have information about them.

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

    6. Where else can you order and get a credit history from the BCH – an overview of options?

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

    Below are described more 2 more popular ways to find out your credit history .

    Option 1. Order a credit history in the Euroset communications store

    Not so long ago in Euroset communications stores there was a service that allows order a report on your own credit history. For this purpose it is necessary to visit the branch of the company.

    How to order a credit history in Euroset

    When contacting the operator, you must present your passport . After that, a request will be made to provide a report on the credit reputation. It is important to understand that the service is provided for a fee. The commission for it is about 1,000 rubles .

    A service called “Ideal borrower” . By paying about 500 rubles , you can get instructions to help fix your damaged reputation. It is developed using a scoring assessment of the borrower's reputation, as well as the period for which he wants to fix the situation.

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

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

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

    In ACRIN, a borrower can use the following services:

    • order a certificate from the Central Catalog of Credit Histories;
    • receive a statement, as well as a credit report from the National Bureau of Credit Histories;
    • request information from the Russian Standard BCH;
    • dispute the data contained in the report on credit reputation from the National Bureau;
    • generate a new credit history code;
    • get information about the borrower's scoring assessment;
    • connect the service of informing via SMS about changes in the credit history;
    • check information about encumbrance of the car.

    How to get a credit history online from the NBCH partner – AKRIN

    The borrower can get information about credit history online … To do this, you need to register a personal account and go through the identification procedure. If you need advice from an AKRIN employee, you can get it either by phone or by email .

    Experts believe that the service in question is perfect for those who wish 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 a bank card , but also through the popular e-wallets – Yandex.Money and WebMoney.

    7. Frequently Asked Questions (FAQ)

    Many borrowers try to learn as much as possible about the concept of credit history. That is why many questions arise on the topic under consideration. The answers to the most popular of them are presented below.

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

    Recently, the popularity of State Services portal . With its help, 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 institutions. Therefore, it is impossible to order and check your credit report not paid , not free .

    Question 2. Is it realistic to find out (check) the credit history only by the last name?

    Many people want to know whether it is realistic to find out the credit history by just one last name. However, there is no such possibility in our country . This is primarily due to the confidentiality of information.

    For the security of information, only certain categories of individuals and organizations can receive credit history data.

    Moreover, in Russia there is a huge number of namesakes who have 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 subject to the provision of passport data.

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

    To receive a report from the credit history, the borrower should contact in the BKI with an identity document. Once a year this service can be obtained absolutely free of charge .

    If for any reason the borrower wishes to update the information again within a year, he will have to pay a commission . The cost of the service is usually several hundred rubles.

    Often, BCH employees do not inform borrowers about the opportunity to obtain information from their credit history for free and charge a commission for this service. Meanwhile, such a right is legally enshrined in article 8 FZ- 218 On credit histories ” . Therefore, you can safely demand a free report from the BCI.

    8. Conclusion + related video

    To maintain their own reputation, any citizen who has ever taken out a loan should know how to check information about their own credit history. It is useful to have such information and those who have never drawn up a loan agreement. This will help to exclude the facts of fraud.

    Do not forget that once a year you can get a credit report completely free of charge. Absolutely everyone should exercise this right in order to timely track changes in their data.

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

    That's it.

    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 on social networks.

    Until next time on the pages of our online magazine “RichPro.ru”!

    Источник: richpro.ru

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