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 operations related to the borrower's loans: which banks issued loans or credit cards, the amount of debt, and whether the client pays on time under their obligations. The history is stored in special organizations — credit history bureaus (CHB).

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

In order to find out your credit history, you need to:

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