The black list of credit organizations exists for official use only. Such lists contain information about clients that no one has the right to disclose. This provision is spelled out in the Law on Personal Secrets. At the same time, it is simply necessary to find out if you are on this black list. For example, in order to know if you can expect to receive a new loan. There are legitimate ways to get this information.
Instructions
Step 1
First of all, consider whether you have outstanding overdue loans. If so, you can be sure - you are blacklisted.
Step 2
Also, remember if you paid off all your loans on time. Have you had long-term debts to pay them. If there were such debts, again, you are on the black list.
Step 3
If banks have already refused to give you loans, most likely you are in a "bad account" with them. And although the bank has the right to refuse without giving a reason, try to negotiate with the security service and find out your credit history. If you don't feel guilty about yourself, there may indeed be a mistake.
Step 4
Find out if you are among the "sinners" at the credit bureaus. To do this, send a written request there. Make a request in a free form, but be sure to certify it with a notary. Once a year, you should be sent your credit history free of charge. If money is demanded from you, be aware that this requirement is not legal. It can be appealed.
Step 5
If you do not know in which bureau your credit history is formed, use the service provided by the Bank of Russia. On the official website of the Central Bank of the Russian Federation there is a page "Central Catalog of Credit Histories" (CCCI). Fill out the form on this page and send your request. You will receive an answer to the email address that you specify in the request.
Step 6
Please note that you can use the CCCI service if you remember the subject code. If you do not remember it or do not know it, contact any bank (state, commercial - all the same) or any credit bureau with an application to provide lists of those bureaus where your credit history is stored. Banks have no right to refuse you. But this service is paid.
Step 7
Last but not least, if you find yourself blacklisted, don't despair. Fixing your bad credit history is difficult, but possible. To do this, you need to earn a new "clean" story. Take out a loan at high interest rates, secured or with guarantors. Pay it regularly according to your payment schedule. This will be the beginning of a new credit history.
