The credit history subject code is an identifier that a person uses when contacting the Central Directory of Credit Histories through its official website or by e-mail to get his credit history. He must come up with this code himself when applying for a loan and giving the bank consent to transfer information about himself to the credit bureau.
Instructions
Step 1
If you have forgotten your credit history subject code, you should contact the bank where the loan was taken and inform its employees about your desire to find out this identifier.
In this case, you will need to show them your passport.
They are obliged to inform you of the code at the first request.
Step 2
However, much more often a situation arises when you actually do not have any code of the subject of a credit history. If you received the last loan product before 2006, you cannot have this identifier, because there was no relevant law earlier.
There are also frequent cases when, after its adoption, the code was not invented: for some reason the borrower himself did not want to do this, or the bank did not inform about the need for this.
In this case, you can get your code by contacting the bank where you took the loan (you will have to sign an agreement to transfer information about you to the credit bureaus) or to any of these bureaus, a complete list of which can be found on the website of the Central Catalog of Credit Histories.
Step 3
You can also send a request to the Central Directory of Credit Histories through a notary or post office that has a telegraph office.
In this case, you will need to present a passport or other identity document to a notary or postal workers and pay for the service at the current rate.
