Post by nurnobisorker14 on Oct 30, 2024 9:43:08 GMT
Every person who has ever taken out a loan or credit has encountered a credit report collected by banks and all credit institutions. It is thanks to this document that the bank can learn about our credit history and make a decision on issuing a loan. This is undoubtedly very convenient not only for banking organizations, but also for all people who want to constantly check their history and finances. So, in this article you will get a complete understanding of what a credit report is, how to get it and a lot of other useful information.
Contents hide
1) The concept of a credit report
2) How to get a credit report
2.1) Step 1. Registration on the State Services portal
2.2) Step 2. Submitting a request for a list of credit bureaus
2.3) Step 3. Get a list of credit bureaus
2.4) Step 4. Creating an account on the credit bureau website
2.5) Step 5. Obtaining a credit report
2.6) Brief instructions for obtaining a credit report
3) Why is it important to check your credit report?
4) How to influence the rating
4.1) Negative credit history
4.2) No credit history
5) How to fix a mistake on your credit report
6) Conclusion
The concept of a credit report
A credit report is a document that contains information about a person's credit activity and current credit situation, such as loan payment history and credit account status. This document is used by banks to assess the risk when granting a loan or credit.
With the help of a credit report, you bulk email campaigns can evaluate the timeliness and integrity of payments on loans and credits, as well as the level of your individual credit rating. In addition, the debt burden is indicated here - an indicator of what part of your official income is spent on paying off loans.
Providing a credit report is necessary if a person wants to take out a loan for a large amount and wants to be sure of its approval in advance. This document is also useful for familiarizing yourself with the current rating level and subsequently improving your credit history.
Try paying in installments
First payment only after 30 days
Find out the limit
How to get a credit report
The BKI (credit history bureau) is responsible for storing credit reports. The most popular of which are:
"National Bureau of Credit Histories";
"United Credit Bureau";
Equifax Credit Services.
The majority of all histories are stored in the BKI data.
Banks enter into relevant agreements with these organizations aimed at transferring information about borrowers. Moreover, agreements are concluded with different BKI, so when a client wants to take out a loan from several banking organizations, his reports are stored in several bureaus.
Knowing the credit history subject code, you can determine which bureaus store reports on a specific client. You can do this by contacting the Central Catalogue of Credit Histories of the Bank of the Russian Federation.
The code is created the first time you apply for a loan. If the borrower does not know the code, the request for information will be more complicated and time-consuming. In such a situation, a simpler solution would be to use the State Services portal. This can be done using the instructions below.
Step 1. Registration on the State Services portal
Log in to the "Gosuslugi" platform, then click on the "Registration" tab. Fill in the special fields with personal information, including:
Full name;
email address;
phone number;
password.
To get a credit report, you need to verify your account. This can be done in a number of ways:
By contacting the MFC, providing SNILS and passport. You will be given a special code, which must be entered in a special field in the profile, after which the account will be confirmed.
Via the Internet, using an account of one of the services: Tinkoff Bank, Sberbank, Post Bank. The confirmation data will be entered by the system automatically.
Online, using an electronic digital signature. The signature must be installed on the device from which the account on the portal was created.
Using Russian Post. To do this, you need to request a confirmation code, which will be sent by registered mail.
Step 2. Submitting a request for a list of credit bureaus
First, you need to go to the main page of State Services, then select the "Services" tab and click "Taxes and Finance". Once you have done this, go to the "Information from the Credit History Bureau" section. From the list that appears, select "Obtaining information from the Central Credit History Bureau about the Credit History Bureau in which the credit history of the subject of the credit history - an individual - is stored".
Contents hide
1) The concept of a credit report
2) How to get a credit report
2.1) Step 1. Registration on the State Services portal
2.2) Step 2. Submitting a request for a list of credit bureaus
2.3) Step 3. Get a list of credit bureaus
2.4) Step 4. Creating an account on the credit bureau website
2.5) Step 5. Obtaining a credit report
2.6) Brief instructions for obtaining a credit report
3) Why is it important to check your credit report?
4) How to influence the rating
4.1) Negative credit history
4.2) No credit history
5) How to fix a mistake on your credit report
6) Conclusion
The concept of a credit report
A credit report is a document that contains information about a person's credit activity and current credit situation, such as loan payment history and credit account status. This document is used by banks to assess the risk when granting a loan or credit.
With the help of a credit report, you bulk email campaigns can evaluate the timeliness and integrity of payments on loans and credits, as well as the level of your individual credit rating. In addition, the debt burden is indicated here - an indicator of what part of your official income is spent on paying off loans.
Providing a credit report is necessary if a person wants to take out a loan for a large amount and wants to be sure of its approval in advance. This document is also useful for familiarizing yourself with the current rating level and subsequently improving your credit history.
Try paying in installments
First payment only after 30 days
Find out the limit
How to get a credit report
The BKI (credit history bureau) is responsible for storing credit reports. The most popular of which are:
"National Bureau of Credit Histories";
"United Credit Bureau";
Equifax Credit Services.
The majority of all histories are stored in the BKI data.
Banks enter into relevant agreements with these organizations aimed at transferring information about borrowers. Moreover, agreements are concluded with different BKI, so when a client wants to take out a loan from several banking organizations, his reports are stored in several bureaus.
Knowing the credit history subject code, you can determine which bureaus store reports on a specific client. You can do this by contacting the Central Catalogue of Credit Histories of the Bank of the Russian Federation.
The code is created the first time you apply for a loan. If the borrower does not know the code, the request for information will be more complicated and time-consuming. In such a situation, a simpler solution would be to use the State Services portal. This can be done using the instructions below.
Step 1. Registration on the State Services portal
Log in to the "Gosuslugi" platform, then click on the "Registration" tab. Fill in the special fields with personal information, including:
Full name;
email address;
phone number;
password.
To get a credit report, you need to verify your account. This can be done in a number of ways:
By contacting the MFC, providing SNILS and passport. You will be given a special code, which must be entered in a special field in the profile, after which the account will be confirmed.
Via the Internet, using an account of one of the services: Tinkoff Bank, Sberbank, Post Bank. The confirmation data will be entered by the system automatically.
Online, using an electronic digital signature. The signature must be installed on the device from which the account on the portal was created.
Using Russian Post. To do this, you need to request a confirmation code, which will be sent by registered mail.
Step 2. Submitting a request for a list of credit bureaus
First, you need to go to the main page of State Services, then select the "Services" tab and click "Taxes and Finance". Once you have done this, go to the "Information from the Credit History Bureau" section. From the list that appears, select "Obtaining information from the Central Credit History Bureau about the Credit History Bureau in which the credit history of the subject of the credit history - an individual - is stored".
feeling a bit exhausted this week, hope you're all doing well 
lol
I have finally finished my course work for this year, I only have exams left, all of them will be online and from home! I think that will be interesting 
so I am preparing for them in my freetime.
