He is a biography bank

News credit history is the information that is stored in the Bureau of credit stories of the BKI and characterizes the payment discipline of a citizen or organization. Credit stories consist of data on the borrower that banks, microfinance organizations, credit cooperatives, investment platform operators, leasing companies are required to send at least one BKI.

Also, information on the collection of debts for housing and communal services and communication services for which there are appropriate court decisions or from bailiffs, for example, for unpaid alimony, may be transmitted to the BKI. Representing information in the organization’s BCS are called sources of credit stories. Sources independently decide which BKI to send one or more to all available information regarding borrowers, guarantors, principles and lessee.

As a rule, credit history is stored in several BKI. Since January 1, systematically significant credit organizations and other large lenders with a portfolio of loans of loans to individuals the size of billion rubles should be presented in at least two BKI. Citizens can find out their credit history in BKI. The trustees and other legal representatives, including a notarized power of attorney, can request this information.

Banks, microfinance organizations, other legal entities and individual entrepreneurs can also be obtained. They are called users of credit stories. To access the credit report, they need the consent of the subject of credit history - a citizen or legal entity. Consent contains the purpose and date of its issuance, as well as the name of the user who wants to receive a credit report.

Consent is considered valid within 6 months from the date of its design. From January 1 of the year, the term of storage of credit history has been reduced from 10 to 7 years. It is calculated in relation to each entry of credit history of a separate credit transaction, and not in general for the entire credit history. BKI is obliged to store the record of credit history within 7 years from the date of the last change of information contained in this record, regardless of whether these changes occurred before or after January 1 of the year.

Information about the requests of users, about the refusals to conclude a transaction agreement, information from the title part of the credit history and its other data is canceled after 7 years from the day of the last change of information contained in the last record of credit history, regardless of whether these changes occurred before or after January 1 of the year. To get your credit history, you first need to find out in which BKI it is stored.

This can be done remotely through a single portal of state and municipal services of the State Service or the official website of the Bank of Russia. To send a request through the Bank of Russia website, a code of the subject of credit history will be required. It is unlimited, consists of numbers, letters of the Russian or Latin alphabet. The length of the code is from 4 to 15 signs.

For the user, additional code of the subject can be created. The public services information about the BKI in which a credit history is stored can be clarified in the section "Information about the Bureau of credit stories". The request can also be submitted through credit organizations, microfinance organizations and credit consumer cooperatives, BKI, post office, which carries out the services of a telegraph, or a notary.

Knowing which BCI is stored in a credit history, you can request it directly to the BKI or through credit or microfinance organizations, investment platform operators, credit cooperatives that have concluded an agreement on the provision of information services with this BKI. This can be done no more than twice during each calendar year but no more than once on paper for free and any number of times per fee without indicating the reason for the circulation.

Taking advantage of the Bank of Russia service to provide information from the Central Construction Center about the BKI, which stores the credit history of a citizen, at public services, you will receive a link to your personal account on the official website of each BKI in which your credit history is stored. Requests and applications.