"To find out if there is an illegal loan on a person, it is necessary to check his credit history. This information is stored in the credit bureau (BCI) and is data from banks and other financial organizations. By the way, there are three BCIs on the market - the bank has the right to decide to which one it submits information about its users. To find out your credit history, you need to request information from the BCI, "the expert recommended.
According to him, first it is worth finding out in which BCI information about the citizen is stored. To do this, you should send a request to the Central Catalog of Credit Histories (CCCI) through the "State Services" or the website of the Bank of Russia.
"After that, you need to get information about the credit history from these bureaus - this can be done through the same "State Services". Another option is to get information through the bank or directly to the BCI, "explained the head of the product "Loan Selection" in "Compare".
The specialist advised to carefully study the statement from the bureau.
"It will indicate loans from banks and MFIs that are currently open, as well as requests for them. Remember that according to the law, borrowers can get acquainted with their credit history twice a year for free: above this you will have to pay, "Korchagin explained.
You can also check your credit score. It is also called the "scoring score" - it shows your chances of approving a bank loan.
"Credit history and credit rating should be checked by those who are going to issue a loan or mortgage, and even in cases where you have already been refused to issue money. It is also necessary to periodically check the credit history in order to track erroneous data in it. For security reasons, we recommend that you track your credit history at least twice a year, "the expert explained.
If you find an error in the history, you need to contact the BCI or contact your lender - a bank or MFI, the interlocutor of RT emphasized.
"To prove your case, you will need to collect documents, for example, receipts for the payment of monthly payments. After verification, the correction of an error in the history will take an average of ten days, "he concluded.
Earlier, the expert of the financial platform "Compare" Maxim Glazkov told in an interview with RT what to do if the loan is overdue.