What is and how to find out the code of the subject of the credit history - overview of the concept + proven methods

Hello dear readers of Rich Pro! This article will focus on the code of the subject of credit history - what it is and how you can find it out.

We will also tell:

• Is it possible to know your credit subject code online;
• How is the code generated if the loan is issued for the first time;
• Is it possible to do without code.

At the end of the publication, we traditionally answer the most popular questions on this topic.

So let's go!

About what is the code of the subject of credit history and how you can find out - read in our article

1. What is the subject code of the credit history - a complete overview of the concept

As a rule, when applying for a loan, credit organizations ask the client credit history code, which they need to obtain information about the financial position of the borrower from the BCI (Bureau of Credit Histories).

Credit subject code is the borrower's identification code (identifier) ​​(from 4 before 15 characters). He began to be assigned since 2006 and allows you to find out in which particular BCI is the borrower's credit history.

Further, on the basis of information received from the BCI, the credit institution decides whether to grant a loan or refuse it.

Read about where and how to get a loan with bad credit history almost without refusal, read in one of our issues.

1.1. Where to get the code of the subject of credit history

When a citizen first applies for a loan, he is assignedsubject credit code. Financial institution (usually bank or MFI) when concluding an agreement with the borrower, indicate such a code in the agreement itself or in the appendix to it. Then, simultaneously with the transfer of information about the borrower to the BKI, they will also send this code.

The scheme of forming the code of the subject of KI

The subject’s credit code may not be present. This is possible if a person has never made a loan, or a loan was taken by him and repaid before 2006 of the year. Then he can get it by issuing the appropriate statements at NBCH (National Bureau of Credit Histories).

If a citizen does not remember his code of the subject of CI, then he can do inquiry to receive this information from one of the major banks. However, it’s worth considering that this service will be paid.

1.2. What does the subject's credit history code look like

The subject's credit history code is an arbitrary set of letters and numbers. The length of such a cipher is from 4 before 15 characters.

This is what the code of the subject of credit history looks like

The Central Bank of the Russian Federation in 2005 In the year the regulation on the formation of such codes was issued. Despite this, at first it was common practice for the borrower to independently create a cipher.

So, eg, up to 2006 During the first loan processing, the client was asked to come up with a cipher consisting of Latin letters and numbers. It was he who was the code of the credit history of the subject.

However, this has led to the fact that for many borrowers the code has become a meaningful word or combination of numbers.

Therefore, today, based on the instructions of the Central Bank, credit organizations personally create the subject's CI code for customers who apply to them for a loan for the first time.

1.3. What is it for?

There are several dozen credit bureaus in Russia. To find out in which of them information about a specific borrower is stored, you must know the code of the subject of the credit history.

Using this cipher, you can get a report on loans received by a person and fulfillment of obligations on them in the BCI.It's important to know, what1 once per12 months such information is provided free of charge. We talked about how to find out a credit history for free by last name via the Internet in one of our articles.

No other code application exists. To apply for a new loan and sign the corresponding agreement, it is not needed. Therefore, the lender does not have the right to refuse to grant a loan to the borrower only because he does not remember his credit history code.

1.4. Why change it

Subject credit history code is a unique cipher. Using it on the Internet resource of the Central Bank of the Russian Federation (www.cbr.ru), the borrower may request information about himself. Here you can change or reset the code belonging to the client.

Change of the code of the subject of CI on the official website of the Bank of Russia

Changes are required to ensure the security of information. Of course, the credit history provides a high level of information protection. However, there are various situations in life.

If the scammers somehow got access to your personal information, it is worth taking urgent measures. In such cases, experts recommend changing the cipher. If the code has been deleted, you can contact the NBCH to restore it.

In this way, code is an important parameter of credit history. The borrower must know how to use it, change it, and also in case of loss.

Proven ways to find out your credit subject code

2. How to find out the code of the subject of credit history - 3 reliable options

With the development of the Internet, the search for diverse information has become much easier. However, it is not possible to clarify the subject’s credit history code by a simple online search. However, there is 3 reliable options get such information.

Option 1. Having studied the loan agreement

Just a few years ago, all banks indicated in the loan agreements the code of the subject of the credit history.

Information about the code may contain:

• directly in the clauses of the agreement;
• in one of the annexes to the contract.

Subject code in the loan agreement

However, to date, not all have retained this practice. Many large banking organizations treat credit history codes as classified official information. They do not indicate them in the contracts. Therefore, it is far from always possible to find out the cipher by studying the agreement.

Option 2. Contacting the Bank

If there is no code in the contract, you can contact the bank that issued the loan for clarification. In this case, it will be required only present passport.

However, far from all credit organizations meet their customers. Many refuse to issue a code, citing various intra-bank documents. In this situation, you must use the third option.

Option 3. By writing a statement to the BKI

To get the code of the subject of credit history, you should contact the nearest branch of BKI.

To obtain information about the code, you will need:

1. to have a passport with you;
2. to write an application;
3. pay commission.

Usually, you have to pay for such services from 200 before 300 rubles.

If for some reason the borrower cannot personally come to the office of the BCI, you can send an application for this code to the NBCH by mail. This method will be studied in more detail later in the article.

It is important to understand! Regardless of which option the borrower will use to clarify the subject's credit history code, it will be necessary to confirm the identity of its owner.

The table below shows the methods for obtaining the code of the subject of CI and the necessary documents for this.

Table: “Options for obtaining the code of the subject of CI and documents required for this service”

The table shows that the easiest way to find out your code of the subject of credit history is in the loan agreement, and if it is not there, contact the credit institution.

3. How to generate a subject’s credit history code - 3 proven methods

Any borrower must understand: if there is no credit history, then there can be no code. However, there are situations when loans were issued, but the code was not issued or was lost.

In most cases, this is due to the fact that before 2006 of the year no one obliged bank customers to receive a code. As a result, those who were credited up to this point have the right to receive a new cipher. Consider 3 proven methods to do this.

Method 1. Contacting the NBCH

To get the code using NBCI, you must adhere to the following sequence of actions:

1. visit the organization’s website and save the application form;
2. fill in the form;
3. notarize the signature on the application;
4. pay a fee that is about 300 rubles;
5. send by mail to the address of NBCH (see on the official website) a completed and certified application along with a copy of the payment receipt.

After receiving the application, the specialists of the National Bureau of Credit Histories carry out the necessary operations, eg revocation or replacement of a code. At the end of the process, the appropriate address will be sent to the borrower report.

Method 2. Through the bank, which issued the first loan to the borrower

The code can be obtained from the credit institution that formalized the first loan to the borrower. If the cipher was not indicated in the documents, you should contact the financial company directly. In this case you have to fillstatement, as well as consent to the processing of personal data.

It’s worth considering that such a service is provided for a fee. The commission is about 300 rubles.

Method 3. In the process of applying for a new loan

In recent years, the Central Bank of the Russian Federation has reduced the number of credit institutions. Therefore, it may turn out that the bank or MFI issuing the first loan no longer exists. In this case, you can use this method.

To obtain a new code of the subject of credit history, you need to get a small loan. When signing the contract, the corresponding cipher is formed.

We talked about where to get a loan with bad credit history and which banks do not check the borrower's CI, in a previous article.

In this way, code generation can be done by one of 3ways. The choice of them is due primarily to the current situation.

Is it possible to find out the subject’s credit history code online - we’ll tell you further

4. How to find out your credit history code online (via the Internet) for free?

Many borrowers try to verify the code online. However, a service that provides such information on the Internet even when providing passport data does not exist. Indeed, in this case, there would be a high risk that fraudsters could seize personal data.

The fact is that The information contained in the credit history is confidential and protected by law.. Therefore, you can find out the subject’s credit code only upon personal appeal or by sending the appropriate application with mandatory certification of a signature by a notary.

Experts warn that there are a large number of scammers on the network. In order to take possession of the money of gullible citizens, they can offer the following services for a fee:

• find out the code of the subject of credit history - after transferring the commission, the borrower is sent a random combination of letters and numbers, which has nothing to do with reality, or simply do not provide any information;
• delete negative credit data - it's impossible. However, everyone can improve their reputation, but for this they will have to receive and return several loans on time;
• order a credit report - this can be done only by sending an official request to the BKI.

The only thing you can do online is to have the subject code of the credit history, make a request to a specific BKI via Internet banking.

Moreover, this can only be done if the servicing credit institution provides such a service. One time in 12 months, each client is entitled to receive information from a credit history is free.

Also, knowing your code, you can request information in National Bureau of Credit Histories. However, such a service is provided for a fee - the cost is approximately 300 rubles.

5. Is it possible to do without the code of the subject of CI?

Many borrowers have a poor understanding of why they need a subject’s credit history code. In this regard, they often raise the question: Is it possible to do without it?

In general, such a code is necessary solely for the convenience of the client. With its help, you can quickly track changes in credit history. However, by submitting a request to the BCI, you can do without a code.

Typically, to obtain a credit history report from the BCI, it is enough:

• specify personal data (Name and information from the passport);
• pass identification.

After that, the information is sent by mail to Russia or via the Internet. However, this method of obtaining information is used only in large bureaus. Moreover, in order to receive information in this way, it is important to know in which particular information and information systems it is stored.

If there is no exact information, and it is necessary to find out in which particular bureaus the data of the credit history are contained, it will not work without a code.

By the way, some credit organizations require borrowers to indicate the code of the subject of CI already at the stage of application. However customer has every right refer to the fact that he does not remember his code.

Borrowers should know that the bank is not entitled to refuse to grant a loan only because of a lack of information about the code of the subject of the credit history. If this is the reason for the negative decision, you can safely go to the judiciary.

In this case, the credit institution’s security service must independently send inquiries to the largest bureaus. However, there is no guarantee that the data of a specific borrower is stored in them. Therefore, the credit report may not be complete.

In this way, The code of the subject of the credit history may be needed by financial organizations, as well as by the citizen himself.

• Credit organizations use this code to collect information about the borrower's reputation.
• Using a code, borrowers can track their credit history.

By the way, citizens have the right to restrict access to information about themselves. For this purpose, you can change or delete the code on the Internet resources of the Central Bank and NBCH.

6. What is important to remember‼

It is useful for each borrower to know important facts about the code of the subject of credit history:

1. Do not believe those who claim that having received a new credit code can nullify a damaged reputation. Such information is distributed by scammers. In fact, identification in the NBCH is carried out using personal data. Therefore, even if the code is changed, the credit history will retain information about existing and already repaid loans, as well as about delays in them. We talked about how to fix a credit history in a previous article.
2. If a long-drawn-out loan agreement does not have a code, it may not have been created yet. In this case, the borrower has the right to independently go through the process of its formation. For this purpose, he needs to contact a banking organization or directly to a credit bureau.
3. If the code was lost, it will not work. In other words, if the combination of numbers and letters is forgotten, you have to contact the credit bureau to form new cipher. Moreover, even if the borrower finds the old one after creating the new code, it will already be considered invalid. Experts recommend keep code in a safe place with other important documents. In this case, you can not worry about its loss and avoid additional costs associated with paying a commission for the formation of a new code.
4. If there is a code, the borrower has the right to request a report on his credit history absolutely free. True, you can do it only once a year. If there is a desire or need to clarify information more often, you will have to pay for such actions.

7. Answers to frequently asked questions (FAQ)

In the process of studying information about the code of the subject of credit history, a large number of questions arise. To save your time, at the end of the publication we traditionally respond to the most popular of them.

Question 1. What is the additional code of the subject of CI and why is it needed?

Any borrower has the right to create additional code. This can be done on the website of the Central Bank of the Russian Federation. It should be understood that in order to generate additional code you will have to indicate the current one.

Creation of an application for the installation of an additional code of the subject of CI

Such a cipher is usually used to provide access to information about your reputation for a limited time. Additional code valid during 30 days since its inception.

Question 2. Where can I find my code in the loan agreement?

When making a loan agreement are possible 3 options regarding the presence in it of the code of the subject of CI:

1. the agreement does not contain this code;
2. to include the code in the contract, a separate application is used, which contains relevant information;
3. the code of the subject of the credit history is indicated on the first page of the contract in the upper right corner.

Not all banks include a code in a loan agreement. This is due to the absence in the law of a reference to such an obligation. If the borrower did not find the code in the contract, he will have to contact the bank to receive it.

8. Conclusion + video on the topic

Thus, the subject code of the CI is a unique cipher (a kind of "pin code"), which is assigned to each borrower. With it, you can find out detailed information about the credit history of a particular citizen.

It is useful for each borrower to know how and where to use their code, as well as to be able to generate a new one.

In conclusion, we recommend watching the video - "How to find out and check the CI:

And a video about the subject code of the CI:

That’s all with us.

We wish readers of Rich Pro financial prosperity! Let your credit history always remain clean!

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