How do I independently check my credit history?

The credit history is information about the use of credit funds for each citizen who applied to the bank. Thanks to this dossier, you can find out how the loan was repaid, whether there is a debt to the bank, if yes, to what extent. Before granting a new loan, financial institutions should check the credit history of the potential borrower.

In which cases do banks request a credit history?

In most cases, getting a loan, bypassing the verification process, is completely impossible, especially when it comes to large lending, such as a mortgage. Therefore, it is necessary to responsibly approach credit obligations and pay on time. Due to timely payment you get rid of the "bad" credit history.

When applying for a loan, you must consent to the request for a personal file. A bank specialist will study it and only after that will make a decision on the left application. If you want to read your history before submitting an application, there is a way that you will learn how to check credit history for free. To do this, at the time of filing an application, you must write a written application to the bank's head, in which you ask to see the personal credit dossier. The bank does not have the right to deny you, as it made a request to the credit bureau to make a decision. However, some banks do not check the credit history and set a high interest rate.

How to check credit history yourself?

Today, anyone can check the credit dossier for free. To do this, visit the website of any bank or credit broker. If within a year there is still a need to check your history, you will need to pay about 500 rubles. For a fee, you can check at least every day. Each request is paid separately.

Where can I check the credit history if there is no way to request through a broker?

Before you get your dossier, you need to find out exactly where the credit history is stored. Information about the credit history bureau (BKI) can be found in the bank where the loan was registered. You can study the loan agreement, some lenders indicate the address of the BCH and the personal code to obtain the necessary information.

If you know the address, you must first know the time of reception and with the passport to go there at the specified time. To check the credit history, you need to write a statement in which to state your own request. Do not expect that the data you provide in a few minutes, will have to wait a few days.

In the event that your bureau is located in another city, you must fill out the application and mail it with a notification. Within a month the answer will come. Pay attention, if you have several loans, the information can be stored in different bureaus. Therefore, if you want to check the credit history in each of them, you have the right once a year to do it for free.