You will not find a window with the words “Issuance of credit histories” in any bank. Because we create credit histories ourselves.
It is necessary
No debts to banks
Instructions
Step 1
As already mentioned in the announcement, banks do not issue credit histories, but they can help you create one. It should be understood that credit histories can be both positive and negative.
To create a positive credit history, first of all, conduct an audit of all your relationships with banks. Pick up all loan agreements, make sure you have no outstanding debts, fines and interest. If you have current obligations to banks, make sure that you fulfill them on time and in full.
If you have dealt with banks before and your relationship ended to mutual satisfaction, contact them with a request to provide an official letter stating that you have no debts to them and there are no complaints against you.
Such letters will be a kind of letters of recommendation if you have to contact the same bank or another one again.
Step 2
If you find that you have an outstanding loan, debts, fines, or, what is really bad, a collection agency deals with your loan, you can not count on positive reviews about you as a bona fide borrower. Moreover, your name may be included in the notorious "black lists" of banks that they exchange, and you will no longer be able to bank, except in a very small and unknown one. And this is already a risk for you as a borrower.
