How to get a credit history?
Credit history is a kind of dossier onborrower. If you have ever borrowed a loan from a bank or been serviced on credit in a store or other commercial organization, then the credit history bureau already has information about you. The credit history contains detailed information on all borrowed loans, their amounts, statuses, maturities, delinquencies of payments and arrears on them. The bank, when deciding on the issue and the possible amount of the next loan, will check your solvency by referring to this file, therefore it is very important for any person to have a good credit history. In this article, we'll look at how to get credit history and where it can be done. And you will only have to choose the most acceptable method for you.
Ways to get a credit history
There are 4 ways to get your credit history.
- Through the Central Catalog of Credit Histories on the website of the Bank of Russia
- Through a credit bureau or credit organization
- Through the post offices
- Through a notary
Next, consider each method in detail and all that is needed in a particular, case under consideration, to obtain a credit history.
In this case, you will need to know the subject codecredit histories. It can be obtained both at the conclusion of a loan agreement and at any other convenient time by making a request to a credit institution or a credit history bureau.
Fill out the form on the website of the Bank of Russia, indicating in it the code of the subject of credit histories and the e-mail address for sending the report. The CCCH sends reports exclusively by e-mail only.
Method of the second
Find out how to get a credit historyFree of charge, without knowing the code of the subject of credit histories. Once a year you have the right to apply for a report to a credit bureau or credit organization and receive it for free.
You will need:
- Passport or other document proving identity. Please note that the driver's license to such documents does not apply.
- If your representative receives credit history for you, then he will need a power of attorney certified by a notary.
- If you are an individual entrepreneur, thenprepare a Certificate of Incorporation in the EGRIP (for entrepreneurs who started their activity before 01.01.2004), or a Certificate of state registration of an individual as an IP.
- If you represent a legal entity, then youyou will need a Certificate of Entry in the Unified State Register of Legal Entities (for organizations registered before July 1, 2002), or a Certificate of State Registration of a legal entity, as well as a power of attorney or the minutes of the general meeting of founders.
In addition to the free annual report, you canas often as you want to request a credit history for a fee. On average, for individuals, the cost of the request will be 450 rubles, for the organization - 1200 rubles.
Most credit bureaus provide an opportunity to get a credit history online. To do this, you need to register on the website of the bureau and pay for the service.
A request to the CCCH can be sent by contacting the post office. In the telegram, you need to specify:
- Full name
- Passport data
- E-mail address for sending credit report
All data should be written from a new line. The response from the CCCH should be received within 3 working days. If this does not happen, the Bank of Russia recommends that you apply to your Internet reception here, indicating the date of sending the telegram, name and email address for sending the credit report.
You can send a request to the CCCH and through a notary by contacting it yourself or through a representative. To do this you will need:
- Submit a passport or other identity document
- Notify the notary of the e-mail address for sending the credit report, or the mailing address for sending the letter
The notary will make a request, send it to the e-mail of the Federal Chamber of Notaries, which, in turn, will forward it to the CCCH.
So, now you know where to get a credithistory and how it can be done. This will allow you to quickly draw up all the papers for the necessary loan, if, of course, your story is irreproachable. We wish you sympathetic creditors, an ideal credit history and fulfillment of all material desires!