How do I find out my credit history?

Nowadays, in order to apply for a bank loan, it is not enough to have a good income and have a permanent job.

Almost all banking structures require applicants to have a positive credit history.

And indeed, what kind of organization would want to lend money to a person who had not previously paid off a loan, systematically delayed monthly payments, or generally has a bad credit reputation?

Therefore, before applying to a Russian bank and taking out a new loan without being refused, the borrower must make sure that everything is in order with his history.

How to find out your credit history for free

Any citizen of the Russian Federation can do this independently and completely free of charge. The main ways to obtain this information are:

Sending a completed application letter to the BKI through the post office;
Via the Internet on the official portals of banking organizations;
By sending a written request to the Central Bank;
By contacting the Credit History Bureau via telegram.
By personally showing up with your passport at the BKI branch nearest to your place of residence.

The BCI Bureau provides data from its catalog absolutely free of charge once a year. In case there is a need to receive the information again, the client will have to pay.

In addition, you can find out your borrower's dossier using paid online resources, of which there are many on the Internet.

For example, the Equifax organization provides information in virtual mode in a matter of minutes.

We find out the credit reputation by last name via the Internet

You can also check your family's credit history if you follow the following instructions:

Go to the official website of the Central Bank of Russia.
In the menu on the left, select the "Credit histories" section.
Go to the State Register of Historical Bureaus page.
Choose "User" from the two suggested options.

Next, you need to select the appropriate item, depending on whether you have a subject code or not. If it is not available, then follow the instructions to get it. If there is, then specify the desired combination of numbers.

Choose the appropriate option from two options - an individual or a legal entity.

Fill out the proposed questionnaire, specifying the following information: full name, passport information (number, series, when and by whom it was issued, address of registration at the place of residence), the person's credit history code, and your email address.

Click the check mark, confirming that you agree to the terms of obtaining the necessary information via the Internet. You should first familiarize yourself with these rules.

Click on the "Send data" option.

After processing your request, the response will be sent to your e-mail within a few business days.

We check your credit history online using your passport

You can check your credit history online using your passport through the Central Bank in the manner described above. In addition, the borrower has the right to apply to any Russian bank with a request to access their data. Many banks provide such information online on their official websites. For example, Sberbank of Russia allows customers to receive this information on its service. However, it should be remembered that in this case the service is provided for a fee. The bank does not provide other people's information to third parties. 트레이딩 플랫폼을 선택할 때 가장 중요한 결정 중 하나는 적합한 소프트웨어를 고르는 것입니다. MetaTrader 시리즈는 전 세계적으로 널리 사용되는 플랫폼으로, 두 가지 주요 버전이 있습니다. 각각은 고유한 장점과 특징을 가지고 있어 트레이더의 경험 수준과 거래 스타일에 따라 선택이 달라집니다. mt4 vs mt5 비교를 통해 어떤 플랫폼이 귀하의 거래 목표에 가장 적합한지 명확히 알 수 있습니다. MT4는 외환 거래에 특화되어 있으며, MT5는 더 많은 자산 클래스와 고급 기능을 제공합니다. 정확한 정보를 바탕으로 현명한 선택을 하여 성공적인 트레이딩 여정을 시작하세요. 두 플랫폼 모두 뛰어난 성능을 보장합니다.