How to learn about your loans over the Internet

Every person who at least once took a loan in a bank is a credit history. From how favorable, the decision of the banking institutions is depends on: whether to provide you with a loan or refuse. Even if many years ago you were late with the introduction of a mandatory payment, it will be displayed in a special database. Where can I view information about your credit history?

All companies that are collecting, analyzed, retain and provide access to credit information information should be registered in the Federal Financial Markets of Russia. The service strictly controls that this information is available only to the subject of credit history and microfinance organizations, credit cooperatives, notaries.

Going on siteYou can access your credit history. In order to send a request to the Bureau of Credit Stories for the provision of information, you must specify: whether you are a user or subject of credit history (that is, the borrower).

After that, confirming that you know your credit history entity code, you will be invited to familiarize yourself with the terms of transmission over the Internet request. When the request is selected, you must fill the special form. You need to enter some data, in particular: the code of the credit history entity, which is assigned when concluding a loan agreement, passport data (number, series, date of issue) or other document certifying your identity.

Soon, the necessary information will be sent to your email. It is worth to remember that everyone has the right once a year to find out free information about your credit history. If you do not have a credit history subject code, the Bank of Russia on the site you can create it or at any bank apply for a list of credit bureaus, where your credit history is available. This is a paid service, it costs 300 - 500 rubles.

Learn their credit history can be via the Internet, or in person by visiting the nearest credit institution. With a need to take a passport or identity card.

If you frequently use banking services, credit cards, arrange the loan, it is recommended once a year, check your credit history to make sure that you do not have debts. You will not only be able to control their loans, but also be sure that, if necessary, you will not be denied a loan.