How to check your credit history yourself?

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

Credit history is information about the use of credit funds for each citizen who applied to the bank. Thanks to this dossier, you can find out how the loan was repaid, whether there is a debt to the bank, if so, in what amount. Before granting a new loan, financial institutions should check the credit history of a potential borrower.

When do banks ask for a credit report?

In most cases, getting a loan without going through the verification process is completely impossible, especially when it comes to large loans such as mortgages. Therefore, it is necessary to approach credit obligations responsibly and pay on time. Thanks to timely payment, you rid yourself of a "bad" credit history.

When applying for a loan, you must consent to the request for a personal file. A bank specialist will definitely study it and only after that will make a decision on the application left. If you would like to review your story before applying, there is a way for you to learn howfree credit check. To do this, at the time of application, you must write a written application to the head of the bank, in which you ask to familiarize yourself with your personal credit file. The bank has no right to refuse you, as it made a request to the credit bureau to make a decision. However, some banks do not check credit history and charge high interest rates.

How to check your credit history yourself?

Today everyone can check their credit dossier for free. To do this, you need to visit the website of any bank or loan broker. If during the year there is still a need to check your history, you will need to pay about 500 rubles. For a fee, you can check at least every day. Each request is charged separately.

Where can I check my credit history if it is not possible to apply through a broker?

Before you get your file details, you need to find out exactly where your credit history is stored. Information about the credit history bureau (BKI) can be found in the bank where the loan was issued. You can study the loan agreement, some lenders indicate the BKI address and personal code to obtain the necessary information.

If you know the address, you must first find out the time of admission and go there with your passport at the indicated time. To check your credit history, you must write an application in which you state your own request. Not worth itexpect that the data will be provided to you within a few minutes, it will take a few days to wait.

In the event that your office is located in another city, you must fill out an application and send it by mail with a notification. Within a month you will receive an answer. Please note that if you have several loans, the information may be stored in different bureaus. Therefore, if you wish to check the credit history in each of them, you have the right to do it once a year for free.