Key information about the borrower's credit history

Where can a borrower obtain their credit history?

Almost any legal entity can provide qualified assistance in obtaining a credit history statement; in most cases, credit organizations frequently act in this role. Such organizations officially contact the unified Central Catalog of Borrower Credit Histories via telephone or the internet to find out which credit bureau currently holds the credit history of a specific borrower who is a potential client of the organization. This service is provided free of charge once a year. If you need it again, you will have to pay a certain fee to obtain this information.

It is worth noting that over the past few years, it has become possible to obtain such a statement directly from credit and financial history bureaus. To obtain a credit statement, you will need to use the individual code of a specific subject of the credit report, which is issued during the conclusion of a loan agreement between the client and the financial organization. Subsequently, the agreement may be slightly modified or completely terminated at the borrower's request. To find out the necessary information, the borrower must visit the official website of the Bank of Russia and fill out a short form. If the code is not identified by the online system, a corresponding email will be sent notifying the user of alternative ways to obtain the required credit information. Usually, the email contains detailed information about the borrower's obligations to creditors regarding the source of the credit history.

What should potential borrowers do if they do not have a subject code?

You can obtain the relevant document with the help of a notary or by visiting your nearest post office. The most common option for many borrowers is to grant full authority related to obtaining a credit history to the borrowers themselves or to organizations planning to issue a credit or loan online.

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