Bureau of Credit situations: individuality of functioning

The banking structure has been settled so quickly that bankers have to test the borrower for solvency. If you rushed to the bank for a loan (all the same what) for the 1st time, then the credit department will painstakingly test you for the ability - the degree of earnings, service space, duty, etc. If you have already charged a loan, then a positive conclusion will depend primarily on the credit history, which is saved and frequently updated in the credit situations bureau, that is, the BCI.

Specifically, credit deeds, that is, your "credit diary", will tell bankers about your punctuality and thirst to pay off debts. This act displays an absolute certificate of your legal loans, how payments were made, whether you currently have outstanding obligations and whether there were loan delinquencies. If you have a bad credit description, then it is easy to forget about a new loan, and on the contrary, with a good "dossier" in the absence of blots, you will be given the coveted sum the fastest.

The Bureau of Credit Situations (BCI) arose comparably not so long ago – only in 2005 the establishment "On Credit Situations" came into force, which regulates the activity of the BCI. Prior to this, absolute anarchy prevailed in the credit market of the Russian Federation – banks tried in full force, giving out the amount to everyone who was thirsty, following the increase of customers before that, and they thought about the line of borrowers in the final order.

Naturally, any bank had and has its own "black list of borrowers", but this did not prevent the debtor from accumulating loans in other banks, where he was still careful. In this way, the material of the bureau of credit situations is considered an effective device that helps to supervise the peculiarity of borrowers. By the way, similar systems have been working abroad for a long time.

The truth is, at first there was not the slightest practical sense from the bureau – the number of cases was quite tiny, and banks did not really want to distribute secret data about borrowers, fearing its leaks and getting to rivals. However, the situation has changed radically, and at this moment there are 31 credit bureaus themselves. There are already more than 30 million plastic stories themselves, and if you charged a loan 4-5 years ago, then the fastest way you saved the "imprint" in one of these credit repositories.

Now, in order to test the person who will hand over the loan application, it is enough for the bank to rush to the foundations of the credit situations bureau, and the verdict can be transferred to the debt case assessment database.

Therefore, questions about whether it is possible to see your own credit situation and fix it are as relevant as possible. The protest is simple: to see – yes, to correct – no. Moreover, in a short time in the Russian Federation there will be an Internet service for timely access to credit history, and for now, it's enough to rush to the BCI and get an extract from the credit bureau. The 1st appeal will be free, the 2nd and the following will be paid, the amount is small. According to the agent of the largest bureau in the state – the State Bureau of Credit Situations, people's appeals for their own business cannot be called global, but interest is growing evenly.