How to find out your credit history for free?

Since 2005, a single credit dossier bureau has appeared in Russia. Now the lender knows how to find out the credit history of a potential borrower. These organizations collect all information about the bank's clients who have used lending services.

Thanks to the BKI, financial institutions can protect themselves from the risks of default and provide loans only to reliable customers.

How to find out your credit history quickly?

Any individual or bank can inquire about previously issued loans. Information can also be provided on how the loan was repaid, whether there were any debts. In this case, it is necessary to take into account that a citizen can only find out his own dossier.

You can get your credit file free of charge only once a year. If you apply again, you will have to pay a fixed amount.

If the borrower knows his personal code, which was assigned to him at the conclusion, then you can find out the credit history via the Internet. To do this, you need to go to the official website of the Central Bank, to the "Catalog of credit histories" section. In this section, you must enter your own and digital access code to the dossier. This is the fastest and easiest way to check your credit history.

Where can I find out my credit history if I don't have a personal access code?

If you do not know the personal code, you need to send a letter with data and signature to the Central Bank (a sample letter is presented on the official website of the bank) and wait for a response. The Central Bank will send a response letter, which will indicate the address of the bureau where your data is stored.

But how to find out knowing only the address of the BKI?

You can contact the office at the location. You must apply in person with your passport. To obtain the history, you will need to fill out a written request. In response to a written request, information will be provided within a week.

If there is no time to wait and this method of obtaining information seems difficult to you, you can simply contact the bank that recently refused you. At the time of applying for a loan at the bank, you can always write a statement in which you ask to familiarize yourself with your dossier. So you can get information on your own debts several times for free.

What if you find a mistake?

Unfortunately, banks are sometimes wrong. This happens in most cases due to non-operational work: the borrower closed all his obligations, and the bank did not provide the data to the credit bureau.

As a rule, the borrower is included in the “black list” if the payment deadlines are violated. But when he corrected his situation and paid off the mandatory payments in full, he still continues to be listed as a dishonest borrower. The information does not have time to be updated instantly. In this case, it is necessary to provide the bank with documentary evidence that the debts have been repaid, and contact the BCH to make changes. You can check the changes after a few days. After all, how to find out your credit history is no longer a secret for you.