Today, the word "loan" no longer has such a frightening value, so lending smoothly and gradually enters many areas of our life. At the same time, some consider it to be a bone, others - a civilized way to improve living conditions or solve problems. However, both, and others, to get a loan, you need to have a positive history. Especially if you are very interested in it. You can check your credit history yourself, even before submitting an application for the next loan - for free of charge in a year and chargeless without restrictions.
Lend credit history through the credit bureau
This option of obtaining data on its credit history is considered the simplest - you just need to contact the relevant bureau where data on your payment discipline is stored. The reference method can be any - personal visit, postal or email. In the case of an application in electronic form, you can not do without the code of a subject of credit history. It is invented by you and the combination of letters and numbers in the loan. A response form (in writing or in electronic) is also chosen by you and is legal.
Learn credit history through the central catalog of credit stories
To this option, you should be resorted if you do not have the data on what bureau credit stories are kept your data. The central catalog of credit stories is under the central bank. You can also contact it in writing, and through the site.
If the Central Bank is reporting that your credit history is not, there may be several reasons for it:
- you misunderstood your data;
- you have introduced your old data (before changing the passport, surnames) or vice versa;
- it is really not in any bureau.
Find credit history through mail
Send the request to the Office or the central bank can be by telephone or any post office. In a telephone message be sure to include your full name, passport and contact details, as well as the e-mail address. Take very carefully to fill the request, especially for writing e-mail, because it is an answer will come.
Learn credit history through credit institutions
Find out information about their payment discipline can be directly through the organization where you are going to take the credit. It is noteworthy that the same financial institution can make the same request, but with your consent.
You can be trusted to process the loan broker who will do everything for you for a fee.
Learn credit history through a notary
Get your credit history can be and by the notary. To do this, you need to apply to a notary, who checks the relevant data and sends a request to the Federal Chamber of Notaries. From there the request is forwarded to the credit bureau or central bank. You need to choose a way to get a response and wait for him.
As you can see, learn your credit history in several ways - the financial cost and without them, with the help of the Internet and in writing. And not necessarily that such a procedure is necessary only doubters. Even if you are sure that your credit history is positive, it does not hurt to check.
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