How to find out credit history for free?

Since 2005, a single bureau of credit files has appeared in Russia. Now the lender knows how to find out the credit history of a potential borrower. These organizations collect all information about bank customers who used lending services.

Thanks to the CBI, financial institutions can protect themselves from the risks of default and provide loans only to reliable customers.

How to find out credit history quickly?

Any individual citizen or bank can find out about previously issued loans. Information can also be provided on how the loan was repaid, whether there were debts. At the same time, it must be taken into account that a citizen can only find out his own dossier.

You can get your credit dossier free of charge 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 at the conclusion, then you can find out your credit history via the Internet. To do this, you need to go to the official website of the Central Bank, in the section "Catalog of credit histories". In this section, you must enter your own and digital access code to the dossier. This is the fastest and easiest way to check your credit history.

Where can I find out my credit history if there is no personal access code?

If you do not know the personal code, you need to send a letter with the data and signature to the Central Bank (a sample letter is available on the official website of the bank) and wait for a response. The Central Bank will send a response letter, which will indicate the address of the bureau where your data is stored.

But how to find out knowing only the address of the BKI?

You can contact the bureau at the address of the location. You must apply in person with your passport. A written request will need to be completed in order to obtain a history. In response to a written request, information will be provided within a week.

If there is no time to wait and this method of obtaining information seems difficult to 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 can ask to see your dossier. So you can get several times information on your own debts for free.

What to do if you find an error?

Unfortunately, banks sometimes make mistakes. This happens in most cases due to slow work: the borrower closed all his 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 payment terms. But when he corrected his situation and repaid the mandatory payments in full, he still continues to be listed as a dishonest borrower. Information does not have time to update instantly. In this case, it is necessary to provide the bank with documentary evidence that the debts have been repaid, and contact the CBI to make changes. You can check the changes after a few days. After all, how to find out your credit history is no longer a secret for you.