Code of the subject of credit history how to find out in Sberbank?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Code of the subject of credit history - a set of numeric and alphabetic values used to gain access to information protected in the Central Catalog of Credit Histories (CCCH). Clients of banking institutions face it when they come to the bank for borrowed funds. The concept of "credit history" in modern Russia has taken root in the minds of citizens, as well as the term "credit". And so everyone suddenly became interested in where you can get this kind of information. To obtain such data, you must first have a credit history subject code. How to recognize it and get it in case of absence, we will take a closer look below.

Purpose of the code

To understand the purpose of the subject code, let's look at an example. The banking institution you applied for a loan asked for a credit report. But you don't knowwhere to find such information. So that you do not have to go around all the credit bureaus, you can use the website of the Central Bank, section of the CCCH. By entering personal information and the code of the subject of the credit history, it is not difficult to find out the bureau in which the information related to the state of the CI is located. So that fraudsters could not see such information about you, knowing your passport data, and a subject code was invented.

Why do you need to know your credit history?

1. Knowing the situation regarding CI is necessary to make sure that you do not have obligations to credit institutions that were obtained through fraud. Since a negative credit line is not always the fault of a potential bank borrower. Clients often become victims of intruders. In addition, there are cases when a credit history can be considered damaged due to the fault of employees of financial organizations who mistakenly wrote down a loan in your name. In such cases, you can dispute the erroneous data.
2. Knowing this kind of information, you can find out the reasons for the refusal of banks to borrow funds and correct the current situation.

How is credit history formed?

The borrower receives a loan from the bank and begins to repay it according to the schedule, without any delay. This is how the credit history of any borrower begins to form. In this case, it will be positive, since there are no delays here.

Butconsider a situation in which for some reason you have delayed another payment, or maybe more than one. It’s really bad when you don’t pay off your debt to a credit institution at all. That's when the story gets worse, and over time it can become negative in the eyes of financial institutions.

Almost all banking institutions, when issuing a loan, pay attention to the client's credit history. With a positive history, they will gladly provide you with borrowed funds on more favorable terms. And with a bad one, you will most likely be refused. Although there are those among the banks that work with borrowers who have a negative credit history, but their conditions will be tough, and interest rates extortionate.

What does a credit report look like?

1. Title part. This section includes information about the borrower - full name, passport details, TIN number, and so on.
2. The main section includes all information about the loans you received, namely, the amount, the name of the bank that issued the loan, the presence or absence of delays, and the repayment period.
3. The closed section contains data on banking institutions that issued loans.

Where can I get the CI code?

The code of the subject of the credit history is set by the client of the bank when signing the loan agreement. For example, Sberbank allocates a special annex to the contract for this. And in some banks it is mentioned inthe text of the treaty itself.

The credit history code is a combination of numbers and letters and should be known only to the borrower.

If the code was not set upon receipt of borrowed funds, then it can be invented later. To do this, you need to send an application to the CBI or visit any bank.

Additional subject code

After you have received the CI code from the bureau, you can set an additional code. It, unlike the main one, is used only within a month from the date of formation.

Often this code is created so that when another person, for example, a bank, needs a client's history, not to provide him with written consent each time. You can simply give him an additional code, with which he will have access to the necessary information of the borrower for a month. When the additional code expires, it will be canceled.

How do I get an additional code?

The installation process for the additional code includes the following steps. Follows:

1. Enter the website of the Central Bank.
2. Enter the code of the credit history subject (how to find it out in case of loss - see below).
3. Fill out the proposed form for assigning an additional code.
4. Assign additional code.

Although the procedure for obtaining an additional code is simple, it ensures the protection of the borrower's personal data.

How to change the subject code?

To change the subject code, the borrower has the right to contact any banking institution, and not just the one where he took the loan. The bank will send a request to the credit bureau, from where it will get to the CCCH,where they can answer it. The answer from the CCCH will go to the bureau, and from there - to the bank and the borrower. To make the change procedure faster, you can immediately contact the credit bureau.

How do I find out the subject code?

The main points that the code of the subject of the credit history has were discussed above. How to recognize it if you forgot it? There are several ways:

1. You can find out the code of the subject of the credit history in the bank where the loan was received. Bank employees must provide the code at the first request of the client. The borrower must have a passport with him.
2. The code is present in the loan agreement, which was drawn up upon receipt of borrowed funds. This is considered to be the easiest approach to identifying the credit history subject code.
3. How to get the code remotely? You can use the postal service. To do this, an application is filled out, which must be certified by a notary. Then the application, together with a receipt for payment of notary services, is sent to the NBKI. There the code will be changed and new data will be sent to your address.
4. With the same statement you can apply to any credit bureau. In addition, the borrower must have a passport with him. Based on these documents, you will receive a new credit history subject code.

How to find out if you have never taken a loan in your life, this code? The last two methods are also suitable for this case.

It is worth noting that in case of lossit is impossible to restore it, you can only get a new one. But do not think that information about the credit history will be accumulated again, and all "sins" can be hidden in this way.

How to find out the subject code in Sberbank?

If the borrower needs to find out the code of the subject of the credit history, Sberbank will not be able to provide it. And all because such information is stored not in the bank, but in the credit bureau. Therefore, it is better if the borrower applies directly there. To avoid scammers, you should contact the bureau that has passed the state registration. On the official website of the NBKI, you can find an application form to get a new credit history subject code.

How to find out the code in Sberbank if the loan was received there? You just need to contact a bank employee with a passport. He is obliged to provide such information at the first request from the client.