Where to get a credit history?
Loans are an integral part of our life. Moreover, acquiring things and services in debt is becoming more and more popular among the population. However, if you decide to take out a loan in any financial institution, then remember that your credit history will be carefully checked.
What is a credit history?
A credit history is a special report that collects all the data about you as a lender. That is, any bank can find out where you took loans in the past, for what amounts and terms. And, most importantly, how well they repaid the loan. After all, the issuance of money - it is always a certain risk, therefore, to protect themselves from cooperation with an unreliable client, the banks have similar credit histories.
But there is a downside here: after all, if you properly fulfilled your obligations to banks, the next time you will be much easier to get a loan, having a positive reputation. In any case, when you contact a bank to get a certain amount of money in debt, documents will be required from you confirming that you are a reliable borrower.Your guarantor here will be a positive credit history. So where to get a credit history, how and where to start the search?
How and where can I get my credit history?
Any credit history begins from the moment you receive your first loan. In the future, all information on loans is accumulated and added to the original data. All this information falls into the Central Catalog of Credit Histories, where it has been stored for fifteen years since the last change made in history.
If you used the services of different banks, then most likely you will find your credit history in several credit bureaus - credit bureaus. Therefore, the question of where to get a credit history, we will answer this way - first, send it to the TsKKI. To do this, fill out a special form on the website or call. If you know the code that is assigned when issuing a loan, the procedure is much simpler. Practice shows that this is the easiest and fastest way to get a credit history. As a result, you will be provided with information from which you will find out where information about your loans is stored.
However, if the code is unknown, contact the organizations that can help you: KI, bank, or notary. However, you can get a credit history without knowing your code yourself. It is necessary to send a telegram to the TsKKI with the assurance of the signature and after a while you will be notified in which CRI you will be able to find your history.
How to take a credit history
After you have received information about where to get a credit history, you need to do the most important thing - to take it. This can be done in two ways:
- You can contact the necessary CII with your passport and write an application for a report. In ten days you will receive either a document in writing, certified by the signature of the head of the bureau, or you will be sent an electronic report with a digital signature of the organization.
- If it is difficult for you to visit the BCI personally, then contact the representatives of the organization and find out the procedure for obtaining the documents. Most likely, you will be required to fill out an application according to a given form, confirm it notarially and send it by mail. By the way, getting such information in the CII for the first time is free, but for all subsequent appeals you will have to pay.