We learn our credit history, check the availability of open loans at the bank.
Content
Lending is a real financial assistant, but only when a person understands the whole responsibility of the contract, and also knows how to manage his budget. One of the most important aspects of cooperation with banks is to check the availability of loans and possible debts. Today we will tell you how to find out if you have loans in banks?
How to find out if you have loans in banks and what is your credit history?
In this section, we will tell you how to find out whether you have loans in banks, as well as what a credit history is and why it is necessary to track it at least once a year.
So, to begin with the fact that in countries where commercial banks work, independent organizations are necessarily responsible for collecting, analyzing and issuing individuals and organizations at the request of financial transactions. In our case, this organization is called the National Bureau of credit stories. There are also commercial organizations, but they do not carry all functions in the territory of the Russian Federation.
The database of this bureau contains the history of all loans, as well as data on the amount of the loan, maturity, the presence of overdue debts and restructuring. Also in the bureau, information about the debt of a person appointed in the courts, and in addition to this debt of cellular operators, is maintained.
This base is closed and information is issued exclusively at the request of two directions:
- An individual has the right to know detailed information about himself, information is not issued to third parties;
- If there is an application for a credit request, banks may receive an extract on the current client. Based on this information, banks calculate the risks and make the final decision in issuing lending.
The question arises, so why should an ordinary citizen find out about his credit history, because he himself knows well where he issued a loan and when. This opinion is erroneous. Firstly, you can double-check through the NBKS whether the contract is closed, and if you made all payments, and after 30 days the contract is displayed “current”, you must contact the bank and request certificates of closing the loan, as well as the operational transfer of information in NBKI .
Why is it important? Unscrupulous banks do not close the loans of individuals, but after time indicate that there was an underpayment, which grew into debt and subsequently grew into fabulous fines. By displaying this information in the NBKI, they significantly spoil the reputation of an individual, thereby forcing to pay an unreasonable account.
But even if you miscalculated and got into such a situation by your inexperience, you should not “extinguish” incorrectly issued accounts. Take the contract, all receipts of repayment (originals and copies) and file an appeal to the court. If you really have repaid the entire amount, the winning of the court is provided. Next, you send a copy of the court decision to the NBKS, and they cancel the information indicated by the bank, and in the future these data will not affect your rating.
Secondly, if the scammers opened a loan to your name, it is in NBKs that you can find out about this, until the moment you will come to enorm fines and decisions from the courts.
How to find out if you have loans in banks online?
In the age of technology and the all -consuming Internet, you can get information about your credit rating online. For those who wondered how to find out whether you have loans in banks online, you need to switch to site of the National Bureau of Credit History.
Now we go to the section of credit checks. This is located link. Choose a section of individuals. Or just cross the link.
It is here that the most relevant information is posted on how to find out whether you have loans in banks. In this case, we will find out online, and for this you need to go in and verify on the public service website. This can be done by link. The easiest way to pass the entrance and verify using an electronic signature.
At the entrance to the page, it is necessary to check the status on the state portal of services, and if it is confirmed without leaving the account, open one more link (National Bureau of credit stories) and enter under the same data as on gu. Intuitively simple filling, a few seconds of your time, and you get detailed information and credit history for free.
If you moved to the GU website, and your profile is not confirmed, we recommend that you go through the check and fill out according to the prepared instructions for link.
It is important to remember that NBKI gives permission for two free credit history requests for a year (365 days), subsequent requests will need to pay 450 rubles for each request.
It is also possible to send a request using an enhanced qualified electronic signature. If you have one, then you can fill out the application in the form of the specified by 
link. And send the request along with the signature of the nki e-male nki ki@nbki.ru.
How to find out if you have loans in banks remotely?
If you wondered how to find out whether you have loans in banks and at the same time get an answer in paper form (with a wet seal) - the Internet will also be useful. To do this, download the form link.
We fill out by hand and put in ink signature. We go to the notary and confirm the authenticity of the document and our own signature.
If you first or the second time in the calendar year asking for a story - everything is absolutely free, in the third and subsequent pay online link.
Buy an envelope by mail, pack all the data and send to the mailing address: 121069, Moscow, tablecloth, d. 20, building 1. This is the official address of the National Bureau of credit stories. After receiving a letter (you will find out the exact date, if you send a registered letter), an answer will be sent within three working days. It is important to remember that in addition to the Russian Post, you can send a request to any courier targeted delivery, while the response will be directed exclusively by Russian post.
If you want to beg the situation, send a telegram. To do this, you will need to contact the Russian Post, the department with the provision of telegraph services. Currently, not all departments support this service. Next, you send a telegram to the above address, which is required to contain information for a credit history request with detailed data: fully prescribed name, place of birth and registration, date of birth, all passport data, as well as the contact number of the phone, you can several.
It is important to understand that the telegraph operator personally checks all the data and certifies with his signature. Regarding payment: the same rule works as in sending by writing (that is, online).
How to find out whether you have loans in banks in the office?
Of course, there are situations when the question arises of how to find out whether there are loans on you in banks on the day of circulation. If long -term remote services seem long, then it makes sense to spend a little time and visit the NBKI office or its partners.
If you are in the capital, you can contact the NBKI directly, to the head office at the address: Novovladikinsky passage, house 8 and building 4, first entrance, 2 floor, K. 209. The main landmark is the Beautiful House.
It is important to remember that the working hours of reception from Monday to Friday from 10.00 to 13.00 and from 14.00 to 17.00. In addition, you can contact one of the partners' offices:
As you can see, there are a lot of options and every citizen of the country can choose convenient for himself. And in conclusion, we recommend watching the video, how to find out whether you have loans in banks.
Video: Credit history verification
