According to Russian law, the bank, with your consent, has the right to examine your credit history before providing you with finances. You, too, have the right to review your credit history to see if a mistake has crept into it.
Instructions
Step 1
Remember the details that accompany your credit history: what amounts, when and from which bank you received, and whether you made payments on time. This will help you in analyzing the text of your credit history.
Step 2
Find out which credit bureaus (CRBs) store information about you. To do this, contact the bank that issued the loan to you. If for some reason you cannot do this, for example, if the bank no longer exists, make a request to the Central Catalog of Credit Histories, organized by the Bank of Russia. This can be done by mail or on the Internet using a special application form posted on the official website of the CCCS - https://ckki.www.cbr.ru/?m_ParsSelectorState=1&m_SubParsSelectorState=11. This feature is only available if you know your credit history subject code. If you do not possess such information, then you can get a report from the CCCI through any Russian bank.
Step 3
Study the information received from the CCCI. It will not contain your credit history, but there will only be a list of CRIs in which such information is stored. You will need to make a request to each bureau. This is done by sending a message to the address of a specific BCI in the form of a postal letter. Once a year, you can get a credit statement for free, if you contact again, for a modest fee.
Step 4
Combine all the materials obtained from the various BCHs. This will be your credit history. If any data is recorded in error, you can contact the credit bureau and inform them about the misunderstanding. If necessary, you will need to present documents confirming your case.
