Credit history application. Where to get it?

Request to the credit history bureau

The first stage of obtaining a credit history is identifying the credit bureau that holds such a document. To do this, the applicant needs to send a request to the Central Credit History Catalog to specify their credit history code. This can be done directly or through the regulator's website — the Bank of Russia. The response arrives in written or electronic form. It lists all Bureaus that have the applicant's credit history in their archives. Such information is provided free of charge once a year. Subsequent attempts are paid.

In the Russian Federation, more than 30 CHBs operate in this field. The largest of them are Equifax, the National Credit History Bureau, and OKB. Therefore, it is best to send a request to one of these three organizations. It is also possible to get a credit report through organizations that cooperate with these Bureaus.

If the applicant does not want to use the services of these CHBs, they have the right to find out their credit history at one of the bank branches. To do this, you need to provide your personal data. However, this method does not guarantee obtaining complete information, since banks only cooperate with specific CHBs.

Order a credit history

Today, Russia's largest CHBs offer clients a service — online credit history request. The applicant can get an online report from the organization itself or from its representative. To use the online credit history request service, registration on the website and identification are required.

NBKI offers several identification methods:

1. Visit the Bureau office and provide your passport.
2. Send a telegram to the BKI via Russian Post. The document must be signed personally by the sender upon presentation of a passport.
3. Agree to receive a registered letter with a secret password to activate your account. The letter can be picked up at the post office only upon presentation of a passport.

In some BKIs, after registering on the website and completing identification, you can use additional services: check your credit score (credit attractiveness for financial institutions), find out if a car is pledged as collateral to a bank, and dispute information in your credit history.

An online request is not a universal service because not all information can be obtained remotely. Personal identification is required. In addition, 3 major BKIs are trying to increase their market share. Each of them cooperates with various banks and therefore has access to exclusive information about the borrower.

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