Как узнать кредитную историю без регистрации?

Ответ: Да, Вы легко можете запросить свою кредитную историю без регистрации на сайтах, то есть «оффлайн».

Первое что нужно сделать, это узнать где находится Ваша кредитная история. Для этого нужно сделать запрос в ЦККИ (Центральный каталог кредитных историй). Данная организация, являющаяся подразделением ЦБ РФ хранит сведения о том, ГДЕ хранится кредитная история того или иного заемщика.

Запрос можно сделать следующими оффлайн-способами:

  1. В любом банке;
  2. В любом МФО или кредитном кооперативе;
  3. У нотариуса
  4. В любом БКИ Вашего города;
  5. Почтовой телеграммой.

Все услуги будут платными.

Как понимаете, на запрос в ЦККИ уйдет время. После того, как Вы получите список бюро, где хранится Ваша история – обратитесь в эти бюро. На сегодняшний день существует порядка 20 бюро, но большинство из них сосредоточено в 4х крупнейших – НБКИ, Эквифакс, ОКБ и Русский Стандарт.

Обратиться в бюро можно следующими способами

  • Личным визитом, если проживаете в городах присутствия нужного бюро. При этом, по закону, можно запросить свою историю бесплатно 1 раз в год.
  •  Отправкой заверенного у нотариуса заявления за запрос истории.
  • На официальных сайтах бюро найти официальных партнеров в Вашем регионе и обратиться к ним.
  • Запросить кредитную историю в Евросети. Они сотрудничают с НБКИ и Эквифаксом.
  • Если у Вас кредиты только с Сбербанке, или история хранится только в ОКБ – то можно сделать запрос в онлайн банке Сбербанка.
  • Если у Вас только кредит одного банка, можно просто прийти к нему и запросить свою кредитную историю. В этом случае, кстати, даже не нужно делать запрос в ЦККИ — так как Вы и так знаете, что только данный банк формирует Вашу кредитную историю.
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