What is credit history?

Credit history, as is clear already from the title - is a kind of financial record. Leads her to the bank and a leading role in an ordinary citizen who wished to obtain a loan. Creates a "dossier" on each borrower, but only with his consent, and then transfer the deposit to the credit bureau. Thus, the credit history. Consists of 3 parts: the title, the main and closed. Title - this person stories. Contains key information about the borrower: who is he, where he was born, what passport data. In the main part you can find all information about loans: when issued, for how long, how to repay. A closed section describes when and who requests your file from the credit bureau. The origin of credit history, suppose you for the first time decided to get a bank loan. Credit history you have, of course, unavailable. Typically, such newcomers as pure as a sheet of paper, bankers are wary. But you're lucky, and issuance of loans approved. When signing a contract you are asked permission to pass information to the credit bureau. You are like many, you say yes, and from that moment on your credit history is beginning its suschestovanie. And if you say - no? The right of the borrower is there, but the bankers will look askance and is likely to win the loan you will not see. Search credit history Yelena loans in 3 banks, which sent information about it in different credit bureaus. The question - as now Helen and her new lender to find and gather all these bits of information in a puzzle? Specifically for this purpose in Russia appeared central catalog of credit histories. Works on the principle of file cabinets and be able to tell in what bureau data is stored on the borrower. Once a year in free mode, you can learn about what is written in your credit history.