In recent years, there has been a real credit boom. Russian citizens appreciated all the convenience of using loans, with the help of which you can purchase not only household appliances, furniture and a car, but also your own home. The relationship of borrowers with banks is now recorded in databases maintained by credit bureaus (CRBs), and these relationships are not always cloudless.
Instructions
Step 1
A credit history is a text entry in a database. Its fields contain information about the last name, first name and patronymic of the borrower, his passport data, which makes it possible to uniquely identify any individual. In addition to this information, there is information about the banks where you took out loans or have them at the moment, as well as information about whether you had or have arrears and arrears. Information about your loans is provided to these databases by the banks themselves, because they are directly interested in having reliable information about the solvency and reliability of the client, since no certificate of high income can guarantee this. Credit histories are maintained by several bureaus, which provide them to banks upon request on a commercial basis.
Step 2
Maintaining credit histories does not contradict the current legislation on personal data and is carried out on the basis of Federal Law No. 218 "On Credit Histories". Since the transfer of personal data, which includes information about your loans in banks, can be carried out only with your consent, when signing a loan agreement, you also sign an additional agreement stipulating not only the transfer of your data to the BCH, but also the possibility of obtaining information about you by third parties by persons. In accordance with this law, any bank that has entered into a lending agreement is obliged to submit information on this agreement to at least one of the credit history bureaus operating in the territory of the Russian Federation.
Step 3
All banks have access to the information stored in the BCI, so today, when the amount of unpaid loans is catastrophically increasing, all banks, issuing you a large loan, will surely insure themselves and request information about you from the BCI. The three largest of them today accumulate information on more than 100 million subjects of credit histories. Therefore, if your credit history is not entirely positive, not a single large bank issuing loans at a relatively low interest rate will take risks - you will either be denied a loan, or the rate on it will be very high.
Step 4
Some banks are consciously taking risks by offering loans to everyone, regardless of how you have proven yourself as a borrower. These are, as a rule, small or newly opened organizations trying to attract more clients, as well as, for example: "Russian Standard", "Tinkoff Credit Systems", "Renaissance Credit" and credit organizations that issue loans to individuals. They tend to have the highest real interest rates.
