For those who regularly use loans, credit history is very important. There are several ways to familiarize yourself with it. How to find out a credit history yourself will be described in this article.
What is a credit history for?
The growth of unscrupulous and insolvent customers adversely affected the activities of banking organizations, in connection with which a single Central Bureau of Credit Histories was created. With its help, banks can get acquainted with the credit history of any citizen of Russia.
In cases where the repayment history of loans is spoiled, credit organizations refuse to issue a new cash loan. Therefore, each borrower must be responsible for timely payments on loans, so as not to be in an unpleasant situation.
Where to find your credit history
You can find out your credit history by directly contacting the bank where the client wishes to apply for a loan, or at a specialized credit history bureau. There are more than thirty such BCIs throughout Russia.
Every citizen of our country once a year has the right to receive a free credit history. Subsequent calls will cost a sum of money in the amount of the established tariffs of the BCI.
Being interested in how to find out a credit history for free, clients often turn to a bank right away, thereby reducing their chances of getting a new loan. The fact is that in cases where the credit report is negative, banks rarely draw up loans for unscrupulous payers.
How to find out a credit history online
If it is not possible to personally come to a bank or a credit bureau, then you can fill out an online application to receive your loan repayment history. The obtained credit history online is provided with exactly the same information as if the client had personally addressed to the BKI. However, you should choose only the official websites of credit bureaus in order not to send your data to scammers and not to receive distorted information.
Official websites of companies providing information on borrowers operate according to the following scheme:
- To begin with, the borrower is registered on the site.
- Further confirms the entered personal information.
- After that, it sends a request for a credit history with a special code.
- After 10 days, receives a response.
This type of service saves a significant amount of time and effort of potential borrowers. After all, credit bureaus often ask for various documents, including notarized ones, which takes even more time.
Credit History Application
Asking the question, “How do I know a credit history?”, I need to take a few simple steps to get the result. The first thing you need is to find out the name of your credit bureau. The fact is that often information about borrowers is distributed across several BKIs.
You can find out in which particular department your story is stored at the Central Bureau of Credit Histories. To do this, go to the Central CCI website and fill out the request form. At the same time, it is necessary to send a special code of the subject of the credit history (a set of numbers and letters), which is indicated in the loan agreement. In the application form, you must write the email address to which the answer will come.
Once it is known in which bureau the credit history is located, it will be necessary to fill out an application for a report on the history of loans.The standard application form contains the following fields that will need to be filled in: name, date of birth, place of permanent residence, contact details, passport details, place of permanent residence, email address.
After sending the completed application, a response should be received within a few days, which will contain the entire credit history.
Possible problems
Getting a credit history on your own has its own advantages, since in situations where it is damaged and the bank made a request for it, the borrower has practically no chance of getting a new loan.
There are cases when a credit report is corrupted not through the fault of the client, but because of errors in the BKI or oversight of bank managers. Therefore, a person has a chance to correct errors before contacting a banking organization. And after a certain period of time, get a new story without errors and with a positive rating.
If the credit reputation is damaged due to the fault of the borrower, banks may give a chance to fix it, but the next time, when asked about how to find out the credit history, it is necessary to do this without the participation of the creditor.
How to fix a credit history
When the credit history is spoiled, do not despair, as the chance to get a new loan still remains. First you need to find out whose fault the history of repayment of credit loans is corrupted. If these are errors of the bank or BKI, then you need to directly contact the organization’s office to correct them.
In those situations where the loan was not repaid in full and a fine came up for the remaining amount (sometimes in the amount of several rubles), then you need to pay it off and request a new one after a while. This violation is not considered serious, and credit organizations may well provide a new cash loan.
If the borrower has a number of gross violations, then correcting the credit history will be much more difficult. This may take a long time. It will be necessary to arrange several small loans for some household appliances in microcredit organizations and repay them in a timely manner. Only after several years (usually two to three years) will the borrower appear positive credit rating, and banks may again be able to provide loans.
There are many ways to find out a credit history, but they all differ in the amount of time spent processing a request and, of course, in the financial costs of a potential borrower.
For those citizens who are not sure of their positive credit rating, it would still be better to independently learn their credit history. Then they will have a chance to get a new loan.
