If you at least once in life took the credit, history of your relationship with the Bank will be entered in a special document, which is available to explore all of the banking agencies. Where is this document and how to know your credit history — we will talk about this in more detail.
CI - what is it and why is it necessary
Credit history is a document, which records details of all loans taken you throughout life. Also there is reflected information about how you fulfilled the terms of the agreement: observe whether the terms of payment, whether the delay and what period of time will award you penalties and interest. Therefore, any person who intend in the future to use the services of the credit organizations would have to ensure that the file on him was in order. In this regard, quite often the question arises on how to know your credit history. Is it possible to do it yourself and how much this service costs?
Quite often it happens that due to negligence of employees of banking institutions that have made in KEY false data, financial biography is spoiled even the most pedantic of taxpayers. In fairness it should be noted that not less frequently my file people spoil themselves, for example, making regular payments overdue at least one day, if not carelessly referring to the performance of their financial obligations.
What is KI
Before describing how to know the credit history of the person, consider what it is. The KEY structure includes three parts:
- Title — contains personal information about the borrower, allowing it to identify. These include name, patronymic and surname, passport data, education, marital status, place of work, home address, and more. And if the borrower is a legal entity, the title includes the name of Yur. persons (full and abbreviated), egrn, VAT number, address and place of registration, etc.
- The main — provides information directly on received loans: what is the amount, which Bank, time, accurately whether repay the loan whether there was a delay, their duration, whether the loan was returned in due time or not paid at all. Sometimes in the same part prescribes a ranking that evaluates the degree of reliability of the borrower. This part will be of interest to employees of all banks in which you will get credit in the future.
- Additional — a part of the secret KEY, which is information about which Bank (or MFI) is recorded on each individual loan.
Information on the purpose of crediting cannot be entered into any of these parts, as well as any other personal information that does not reflect your obligations as a subject of credit relations.
Where to look
Often people trying to find credit history in the Bank, which had issued a loan last time, believing that it is there. This is absolutely wrong, because no Bank shall keep the dossier of the borrower, there are special organizations called credit Bureau, which means “Credit Bureau”. You should know that information about you as the borrower can be transferred back only with your written consent. Usually such a document is asked to sign together with the credit agreement. Similarly, only with your permission, it is possible to access to it by third parties consent to the appeal in Bank of credit history will ask you when applying for the following loan.
Familiarization with KEY
There are several ways to check your financial dossier. To do this, you can:
- personally contact the credit bureau;
- send a request by mail
- go to the nearest Agency of the Bulgarian cultural Institute located in your area
- Internet resources
Choose where to see your credit history, you can own. It all depends on how fast you need to answer is, are you ready to do this yourself or entrust the job to professionals.
The World Wide Web will help you.
One of the easiest ways to know your financial history and check that everything is in order, is the Internet. So how to find credit history online? You can use the websites of the companies which are partners of BCI, but this service is paid. One such partnership, for example, is a closed joint stock company "Agency of credit information", on the official website which you can apply. However, to access the credit history, you can only after identification. This can be done in three ways:
- send a certified telegram through the Russian Post (your identity will be certified by the post office staff after the passport is provided);
- receive in the mail a certified letter containing a special code to activate your account
- personally come with a passport to the office of the company.
In exactly the same way you can learn your credit history and using Agency "Equifax", and a number of other companies. Their full list can be found on the website CCCI (Central catalogue of credit histories).
Why do I need a code
One of the requirements for obtaining a CI is knowledge of the special code of the subject of credit history. How to find out the credit history code and what is it?
This is a special code like a PIN on a credit card, consisting of letters and numbers. It comes up with the client at his first loan, according to him, the Bureau can track changes in files. He also does not allow third parties to find out where is your KEY, even if they know the details of the passport. If such a code you have not, you can create one at any time by contacting the credit Bureau. If you want to change it or cancel to do it on your own by visiting the credit bureaus.
Remember, if you forgot or lost your code to restore it will not work — will have to be created anew, going through the whole procedure from the beginning. Of course, request my file is possible without code, but to know the credit history through the Internet will not work.
How to get code with and without code
On the territory of the Russian Federation, there are about thirty credit bureaus. How can I know where is your financial record? First, you need to contact the Central catalogue of credit histories, and that is where this information is stored (note, not the KEY, but only information about where she is). How to know your credit history, using a computer, we have already found. Do it online if you know the code of the subject credit. For this you need to visit the Bank of Russia website, fill in a special form in which to specify your e-mail address, it will receive an answer.
Is it possible to do it, so to speak, in real mode and without the code? Of course, you can. If you do not wish to come personally to the credit bureaus, you can do it through the Bank. You must come to any banking institution, a statement of assistance in issuing you credit history, and specify why it is necessary for you, not necessarily. Based on current legislation, the Bank has no right to refuse, he is obliged to provide a report within ten days.
You can also make a request telegraphic communication, specifying their personal data and address "email", there will come the response of the CCCI. A request to the Central directory KEY can be done through a notary, giving written consent to receive the file. After receiving the application, the notary will send a request for subsequent transfer to CCCI.
The issue price
Many citizens are unaware that once a year they can study your financial dossier absolutely for free. It should be noted that the year in this case refers not calendar, and is interpreted as 12 months from the date of the last treatment. If you want to receive such information more often, you have to shell out.
By law, the credit Bureau adjusts its pricing policy independently and is not "charitable" organization. Therefore, request your financial history, you can at least daily, however every time you will have to pay from 450 to 800 rubles, and in some BCI each subsequent treatment more expensive than the previous.
Is it possible to fix something
It is important to know: if you, having studied your credit history, have discovered in it false, in your opinion, facts, you can try to rehabilitate yourself in the eyes of future lenders.
It is a difficult question. Need to send an official statement to the Bureau, where is your file, putting in it, what exactly do you not agree, and to argue in his defense. In accordance with the law "On credit histories", BKI is obliged to forward all documents to the Central office of the Bank, who made the disputed mark. If the Bank, having considered the complaint, refused to amend credit history, you will be only one — to defend their own interests in court. From our experience, we can say the following: in the case when you are not quite sure whether to prove his innocence, or if "injustice" is rather slight, it will be easier to improve dossier new positive records, because the legal red tape can take a long time.
Conclusion: why check KI
Now that we figured out how to know your credit history, do not be lazy to do it at least once a year, because it reflects your financial reputation. In addition, this is a great way to make sure you don't become a victim of scams and scammers that have issued you credit using fraudulent documents. Do it online, knowing the details of your passport, not so difficult, and the loan on stolen documents, it has become a classic of the genre. For the Bank in this case, the identity of the borrower was irrelevant — only the money was returned. To prove that the loan was not issued, you will be quite difficult. Therefore, the sooner you will learn about the existence of such a "gift", the more chances you have to convince the lender that you to it have no relation, and to reduce the losses to a minimum.