Where can I get a credit history?
Credits are an integral part of our life. Moreover, acquiring things and services in debt is becoming more and more popular among the population. However, if you decide to take out a loan in any financial institution, then remember that your credit history will be carefully checked.
What is a credit history?
Credit history is a specialThe report, which collects all the data about you, as a creditor. That is, any bank will be able to find out where you borrowed in the past, on what amounts and terms. And, most importantly - how regularly repaid the loan. After all, issuing money is always a certain risk, so to protect yourself from cooperation with an unreliable customer, banks conduct similar credit histories.
But here there is a downside: because if you have fulfilled your obligations to banks, next time it will be much easier for you to get a loan with a positive reputation. In any case, when you contact the bank to get a certain amount of money in debt, you will be required to prove that you are a reliable borrower. Your guarantor here will be a positive credit history. So where to take credit history, how and with what to begin the search?
How and where you can get your credit history
Any credit history begins with thatthe moment you received your first loan. In the future, all information on loans is accumulated and added to the original data. All this information falls into the Central Catalog of Credit Histories, where they are stored for fifteen years since the last change in history.
If you used the services of different banks, then,most likely your credit history you will find in several BCH - credit history bureau. Therefore, to the question of where to take the credit history, we will answer this way - first send the overgrown to the CCCH. To do this, fill out a special form on the site or call. If you know the code that is assigned when issuing a loan, the procedure will be much simpler. As practice shows, this is the easiest and quickest way to get a credit history. As a result, you will be provided with information from which you will learn where information about your loans is stored.
However, if the code is unknown, contactorganizations that can help you: BKI, bank, or notary. However, you can get a credit history yourself without knowing your code. You need to send a telegram to the Central Control Commission with a signature and after a while you will be notified in which BCH you can find your story.
How to pick up a credit history
After you have received information about where to get a credit history, you need to do the most important thing - pick it up. This can be done in two ways:
- You can apply to the BKI you need with a passport andwrite an application for a report. In ten days you will receive either a document in writing, certified by the signature of the head of the bureau, or you will be sent an electronic report with the digital signature of the organization.
- If you visit BKI personally it is difficult for you, thencontact the representatives of the organization and find out how to get the documents. Most likely, you will be required to fill out an application in accordance with a given form, confirm it by notary and send it by mail. By the way, receiving such information in the BCI is free for the first time, but for all subsequent appeals you will have to pay.