Credit histories and myths

In addition, if prior to 2008 lenders often do not pay attention to your credit history (CI) of the potential borrower, but now the value of 1. If I never took the credit, I have no credit history, most likely you're right, but there may be exceptions. If you buy goods on credit, it could form a credit history, because the store has issued installments as a bank loan partner. Even when you make a card loyalty in the store or pharmacy may be made by request to the credit bureau (CRB) and a so-called history of applications for credit. To find out whether you have a credit history can make a free request to the Central Catalogue of Credit Histories (TSKKI). How to do this is described in detail on the Bank of Russia: http://ckki.www.cbr.ru/. 2. Credit history is publicly available on the Internet or in the markets where they sell such information. Anyone, if they wish, can find out your friend's trials, relative or colleague is not so. Since the entry into force of the law "On Credit Histories» (№ 218-FZ) in 2005 to the present time there have been no unauthorized diversion of massive credit histories. Your credit history is formed only in banks and transferred to the credit bureau with your consent. This usually occurs when a loan - banks with the necessary package of documents to offer a potential borrower to sign a consent to disclose information to credit bureaus. Also, a commercial organization, entered into an agreement with BCH (the overwhelming majority are the other banks), only with your consent may request your credit history. Of course, you or your notarized agent can get your credit history. This information exchange is regulated by the above federal law. But here it is useful to be careful. If you fill out a form, which indicates your personal information, please read carefully, as it allow them to handle. It may be that you give your permission to request your credit history, when subscribing to other documents. 3. The credit history periodically "reset" in the CRB, that is, a year later (two, etc.) CI is removed and the banks will be unable to access information on past debts and repayment is true only in part. Of course, credit history does not belong to the category of "documents Forever." But the term, which shall be kept of CI, however, can not be called short. By law, all credit histories are stored in the CHB for 15 years. 4. Credit history you can easily fix Fix your credit history can only be proved that it contains errors. The credit bureau are only custodians of information that are formed in the banks. If you got your KI and found flaws in it - for example, the delay which has arisen through the fault of the bank or other financial misstatement loan options - you can request correction, please contact your bank or credit bureau, which houses the history. If the problem your fault, then there is a delay of payments or partial repayment of the debt had indeed taken place, to fix, it is better information about yourself, you can only put out the existing debt, and repaying in a timely manner new or other existing loans. 5. If I changed passport, name or moved, my credit history will start from "zero", that is, credit bureaus and banks will be unable to access information about my previous trials in the banks and the credit bureau has a flexible search algorithms, and in most cases your previous credit history is correct to join your new personal data. To reduce the chance of error, in the case of replacement passports must report the information to the bank (s) where you have open contracts. The bank will transfer the data to a credit bureau. 6. If I have negative credit history, then no bank will give me credit. In turn, the bank fails when you apply for credit just because of my IQ is negative when considering your application for credit is taken into account many factors, including your credit history may be far in the first place. Of course, the better your credit history, the greater the likelihood of approval and the better the credit proposal. But the chances of getting a loan is definitely there. For example, many banks are working specifically with the category of borrowers who were denied for various reasons, other lending institutions. True, the conditions of the loan in this case would be more stringent. So, if you messed up your credit history, but want to restore it, most likely, you will need to bail or surety for new loans. Also be prepared to pay higher interest on the loan. 7. Information about my credit is available only to the bank, where I took the loan is not true. Keeping track of your credits will be available to any business entity that has entered into an agreement with BCH (the vast majority of these are other banks), but only with your consent to such a request. At the same time there are situations when the store or pharmacy contracted with the partner bank that asks for your CI, you consent to the processing of your personal data when you make a loyalty card. 8. Review the information contained in your credit history is expensive, difficult and long (I can not find your IQ, because in my city there is no separation CHB) According to the law "On Credit Histories" everyone has the right once a year for free to find your IQ, by contacting the credit bureau that keeps your IQ. Because of such offices may be several, find out the exact same information for free by contacting the site of the Central Catalogue of Credit Histories (http://ckki.www.cbr.ru/). Since the free provision of services may take some time (for example, TSKKI taken to provide an answer before the end of the next day), we can accelerate the process of applying to any bank for a fee. Typically, in this case the service of providing credit history costs 500-1000 rubles. 9. According to the law on personal data, I can send a request to the CRB and remove your credit history according to the law "On Credit Histories", KI should be stored in credit bureaus for 15 years. History can be deleted in CHB only if the information was transmitted without your consent or in case of illegal actions of third parties (such as entering into a loan on your passport). 10. Any foe can spoil my credit history without your knowledge, credit history may be corrupted in two ways: through the fault of the bank or in the case of illegal actions of third parties, that is fraud. In the first case, you can contact the bank, formed the erroneous trials, with a request for its correction. Typically, in this case, the error is corrected fairly quickly. In the second case, you can contact the credit bureau with a request to remove your credit history. But, as mentioned above, the first will have to prove that the information contained in the CI information is incorrect. 11. Credit history - it's only negative No, credit history contains all the information about servicing the loan. We can say that the CI - this is your personal valuable intangible asset. A valuable - because a positive history will save you hundreds or even thousands of rubles in interest payments. Personal - because your credit history is tied to you personally, even if you change your name, passport or residence. CI can not be transferred to another or take in use by another person. Immaterial - because CT can not be put in a pocket (although it can be printed). Asset - because your story is always with you. When you're on time in full and complying with its debt obligations, the value of the asset increases. 12. In order for the CI was a good or positive, we can not allow a single delay for one day is not necessary. The exact rules are defined in the credit policy of each bank. As a rule, the bank uses a much more pragmatic approach, that is, can "turn a blind eye" to the small, short-term and rare case of a delay. For example, if you have a case of a delay of up to 30 days at least every six months, then most likely, the bank may consider your credit history good enough to approve an application for a loan.