How to check your credit history?

Credit history is the most important factor when making a decision on granting a loan. 

Credit history is a record that contains all of the Borrower's credit operations: which banks issued loans or credit cards, the amount of debt, and whether the client pays their obligations on time. The history is stored in special organizations — credit history bureaus (BKI).  

Through the Gosuslugi portal, you can view the list of organizations that store the history of your borrowings, and this list can be viewed online free of charge. You can also use this report to check whether any loans have been issued in your name. 

To find out your credit history, you need to: 

1. Verify your Gosuslugi portal account 
2. Submit an application for the electronic service 
3. Wait until the list of organizations appears in your personal account. There will be a table with the addresses, names, and phone numbers of the bureaus.