The Russian government has made it mandatory for citizens to verify their credit history through the "Gosuslugi" portal before applying for loans. Deputy Minister Dmitriy Svyshov explains the process and highlights the importance of monitoring your financial records to protect against fraud.
Why Check Your Credit History?
Information about credit accounts is stored in the Bureau of Credit Histories (BKH). It is now necessary to determine which specific bureau holds your data, and then request a credit report from each one.
How to Access Your Credit History
- Step 1: Go to the "Gosuslugi" portal and navigate to the "Registration and Signing" section.
- Step 2: Select the service "Receive Information on Credit History".
- Step 3: The system will display a list of all credit accounts, including the names of banks, dates of opening, and status.
Alternative Methods
According to the Bureau of Credit Histories, you can also request a credit report electronically twice a year through the "BKH" site or the "Gosuslugi" portal. - afhow
Best Option: The most convenient and free method is to log in to your personal account on the FNS Russia website. You can access the data in two ways:
- Log in to any personal banking service on the site, where you will receive the logs and password.
- Enter through the verified educational portal "Gosuslugi".
Important Details
After authentication on the site, you must:
- Click the "FIO" button in the upper right corner.
- Go to the "Profile" section.
- Open the "Information" tab (mobile version of this section is the "Information" tab, then "Bank Accounts").
- Select the "Credit" point and choose the option "Show only opened".
The system forms a list of accounts, a card, and the current status of the account, including the name of the bank, the date of opening, and the status.
Warning Signs of Fraud
It is important to know that the banking service sees all accounts, including those opened in your name starting from July 1, 2014. If you have an old account that was open in 2010, you may not have used it, and the banking base may have lost it. In this case, you must immediately request a written statement from the bank.
Time Required: Checking your credit history and credit history takes 10-15 minutes, but these minutes can hide years of bank debts.
Conclusion: Fraudsters are becoming more sophisticated, and protecting your finances is only possible for one person. Therefore, check, verify, and control. This is not complicated, not strange, but very important. At the end of the day, this is a direct obligation for yourself.
