Credit history - information about the timeliness of payment of loan payments by the borrower. Credit history is an important factor on the basis of which the bank evaluates the risk of granting a loan to a consumer.
It is necessary
Passport, email
Instructions
Step 1
The borrower's credit history is stored in the form of records in one or several credit bureaus at once. The Bureau is a commercial organization that collects, stores and provides reports on loan commitments and their fulfillment by loan recipients. Several credit bureaus may be located on the territory of one federal district.
Step 2
The bank provides information about the issued loan only to one of the bureaus with which it constantly cooperates. In order not to go to each bureau and determine which one contains the credit history records of a particular borrower, there is a central directory of credit histories. Therefore, in order to find out your credit history, you first need to make a request to the central directory and get the corresponding list of bureaus.
Step 3
For a request to the central catalog through the post office, send a telegram to the address: "Moscow TsKKI". The telegram must indicate: surname, first name, patronymic, passport data (series, number, date of issue) and e-mail address to which a response should be sent by the central directory. The e-mail address must be specified in the Latin alphabet, be sure to contain all available punctuation marks, and the @ symbol must be replaced with a combination - (a).
Step 4
Make an endorsement inscription on your telegram. The certification inscription is a confirmation for the central directory that the request was made by you. To do this, indicate the need for a certifying inscription to the postal worker. After checking your documents, he will add the appropriate line to the telegram, for example: “I certify with my own signature, the passport data of Ivan Ivanovich Petrov”.
Step 5
Check the email address you specified in the telegram. After receiving the telegram, the central directory will send a reply to your e-mail, which will indicate in which bureau or several credit bureaus the information about the loans you received is stored.
Step 6
After receiving the letter, make a request to each credit bureau indicated in the response of the central directory. To do this, send a telegram to each of them, which should be formatted in the same way as a telegram to the central catalog of credit histories. After that, the records of your credit history will be sent to the e-mail address indicated in them.
