Since 2005, credit bureaus (CRBs) began to appear actively in our country. These organizations were created in order to collect information about borrowers who use the services of banks. How can I get information about my credit history on my own?
Instructions
Step 1
You can get information about your credit file free of charge once a year. If you apply again, you will need to pay for the service in the amount of 250-500 rubles. If you know the individual code, then information about your credit history can be obtained on the official website of the Central Bank of Russia. To obtain information, you will need to enter personal data (full name), passport data and indicate a digital access code. A digital code is assigned when applying for a loan and is spelled out in the loan agreement. If you have multiple credits, the codes will be different. This is the easiest way to obtain a credit file.
Step 2
If the digital code is unknown, it is necessary to send an application, certified by a notary, to the Central Bank. A sample application can be downloaded from the bank's website. Within 10 days you will receive a response from the Central Bank and you will find out your personal code and the address of the bureau where your dossier is kept.
Step 3
The next step is to contact the bureau at the indicated address, having your personal passport with you. To request a credit history, you will need to fill out an application. Based on the completed application, you will receive an answer within 10-14 days. The answer can be received in person or asked to be sent by mail.
Step 4
In order to quickly and easily get a credit history, you need to contact any bank and apply for a loan. At the time of filling out the application, write an application in which you ask for a credit history for review. The lender has no right to refuse you. When a decision on the application has been made, you need to contact a loan officer and receive a copy of your loan record. It should also be noted that if the bank makes a positive decision, it is not necessary to apply for a loan.
Step 5
If within a year you need to re-familiarize yourself with your credit history, you can get it on a paid basis at any convenient branch of the bank.
To obtain a dossier, you will need to contact a loan officer, fill out an application in which you indicate your personal data for obtaining a credit history, pay the cost of the service and receive a copy of your credit history. This option takes no more than one hour.
