How to find out your credit history through "Public Services": procedure, submission of a request and terms of provision

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

In the article, we will consider how to find out the credit history through the "Public Services".

Often, when considering an application for a loan, banks study the credit history of their client. The advantage is not those who have never borrowed money, but those borrowers who took loans and repaid them on time.

Credit history is information about the borrower that characterizes the fulfillment by this person of obligations to return the funds received in debt. The purpose of this document is to encourage bank customers to have a conscientious attitude to lending issues. Each person should know that if one day he received money on credit, but did not repay it, all subsequent creditors will learn about this in the future. Therefore, being a responsible borrower is beneficial.

How to find out your credit history through the "Gosuslugi" is interesting to many. Such a "dossier" is formed when a loan is requested. The Borrower consents to the transfer of information to third parties. Credit histories are stored in credit bureaus for 15 years from the date of the last change.

Credit history is divided into three main parts:

• title part (full name, place and date of birth, passport details, pension insurance certificate number, TIN);
• main part (place of residence and registration, amount of debt, term of its repayment, information about changing the loan agreement, default on obligations, litigation, other official information, individual rating of the borrower);
• additional part (information about information source, user and request date).

How to find out a credit history through "Gosuslugi"? And can it even be done?

Credit Information

According to modern legislation, every Russian has the right to know his own credit history. On the portal "Gosuslug" this can be done absolutely free. If a certain bank rejected a citizen's application for a loan, the user can independently check the dossier and understand why this happened. The free request for personal credit report information is only available once a year. It is necessary to find out which official sources can provide such information.

How to find out a credit history through "Public Services"?

Each citizen of Russia has the right to receive such an extract. Admission is absolutely free. However, there is one limitation here as well. It is possible to check your credit history through "Gosuslugi" only once a year. You will have to pay for the second procedure in the future.

Procedure of actions

Is it possible to find out the credit history through the "Gosuslugi", it is important to find out in advance. In order to receive a dossier, it is recommended to follow the following step-by-step instructions:

1. Go to the official page, go to the "Services" section.
2. Find the "Taxes and Finance" tab, click on it.
3. Go to the column "Information about credit bureaus".
4. Open the application form on the State Services and check the correctness of the automatic input of personal data - PSRN, TIN.
5. Submit application.

After all the above actions, a message should appear in the notification feed stating that the application, indicating its date and number, has been accepted.

Applying to the "Gosuslugi" about obtaining a credit history after applying is registered within 5-10 minutes. The execution time is 1 hour. At the end of the procedure, the result of the verification is sent to the applicant.

What information can I get from an extract from the BKI?

On the website of "Gosuslug" the report is provided within 60 minutes. It contains information about all availableborrower loans: in which bank the citizen took a loan, an indication of existing delays in contributions. This dossier helps credit institutions to carry out an appropriate check, assess the possibilities, responsibility and solvency of the future borrower. Even if a person has never borrowed money from a bank, he still has a credit history, however, in this case it is “zero”.

What does the report consist of?

Credit history consists of the following information:

• institution name;
• data about the borrower - full name, passport information, address, TIN;
• information about submitted applications and loans issued;
• data on the repayment of loans received, as well as on overdue mandatory payments;
• records of CI requests;
• bank loan solutions.

Credit statements are stored in special institutions - BKI. On the website of the Central Bank there is a state register of the BCI, which allows you to view the list of credit institutions, where the history of each individual user is located. A credit statement can also be obtained from the Central Bank. To do this, register on the site, enter personal data and send an application.

On the "Gosuslugi" service, every Russian has the right to receive an extract for free once a year. For the following appeals, you will have to pay from 500 rubles, which depends on the organization to which he applies.

How else can I get a credit report?

If a citizenhas already used up his attempt to obtain an extract and credit history at "Gosuslugi", there are alternative options:

1. Get a credit file from Sberbank - here the cost of this order will be 580 rubles.
2. You can contact Euroset, where they will quickly provide such a service for 990 rubles.

The choice of organizations is not limited to these companies, they are simply present in almost any city where you can get any information without difficulty.

However, the best choice would be to obtain a credit history through the "Gosuslugi".

BKI - what is it?

The credit history bureau or BKI is a set of organizations whose activities are aimed at creating a single database of all bank customers. Before making a final decision, credit institutions without fail seek help from the BCI in order to assess the responsibility and solvency of the borrower.

Today, there are more than 20 such organizations in Russia, however, the largest of them are:

• NBKI;
• Russian Standard;
• Equifax;
• United BKI (Sberbank).

In fact, credit histories are generated by the banks themselves, and the central bureau keeps credit histories, reflecting how diligently clients have repaid mandatory payments. At the same time, the banking organization has the right to refuse a loan or approve it at its discretion.

Why do you need a credit checkstories through "Gosuslugi"?

Today there are many cases of fraud using the personal data of citizens. Such situations are most often various financial frauds using passport data.

To make sure that a citizen has not received any third-party loan that he did not take, you need to periodically review your history. This will help stop fraudsters and prevent further difficulties.

In addition, a credit history may be needed if a person plans to take a loan - for example, in order to make sure that such a file does not contain information that will serve as a reason for refusing credit.

And the final purpose of obtaining a credit statement may be just such a case. A person receives a story in this situation in order to understand why he was denied a loan.

We looked at how to find out your credit history through "Public Services".