United Credit Bureau

The United Credit Bureau (UCB) is one of the largest. OKB was created by the international company Experian and the Interfax group in 2004 under the name Experian-Interfax. In 2009, Sberbank of Russia acquired 50% of the bureau's shares. In October 2011, the company was renamed into the United Credit Bureau.

The bureau is one of the three largest financial institutions in Russia. The closest competitors are Equifax Services and the National Bureau of Credit History (NBKI). OKB's database contains more than 300 million credit histories from more than 600 clients of the bureau, including the largest retail lending banks and microfinance organizations (MFOs). Most of the credit histories stored in the bureau are unique: for example, OKB has all the data of borrowers from Sberbank, which has a 32.7% share in the lending market. This information is not available in the databases of other BKIs. In 2013, Alfa-Bank transferred more than 12 million credit histories of individuals to the bureau.

OKB offers credit institutions the following services:

– obtaining credit reports and bureaus. Services help assess credit risks when making a decision to issue a loan at the time the client contacts;

– “Retro-scoring.” Allows you to make inquiries to the bureau for a date in the past, usually 12 months ago. Provides an opportunity to compare the information received with that which is currently presented;

– “National Hunter” and “ID Verification”. Both services allow you to assess the risks of fraud. The first helps to identify fraudulent applications. The second allows you to verify that the client submitting an application at a branch or through the bank’s website really is who he claims to be;

– a system for monitoring the loan portfolio using triggers. A trigger is a notification of an event that has occurred and is reflected in the borrower’s credit history. Collecting this information allows the bank to properly build a system of cross-selling, managing card limits, and also collect information about overdue debts;

– connection to the SPARK system, the largest information system in Russia for assessing the credit risks of companies.

Individuals can send a request to the Central Control Commission through the bureau or order.

See what the “United Credit Bureau” is in other dictionaries:

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Today, the two largest credit history bureaus (BKI) - the National Bureau of Credit History (NBKI) and Equifax - offer online services to private clients to obtain their credit history via the Internet. NBKI implements a service for receiving... ... Banking Encyclopedia

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The United Credit Bureau, whose official website contains information about this organization, will help you find out your credit history. Find out in what ways you can contact this BKI.

Contents

What kind of organization is this

ZAO OKB is a credit bureau, officially registered and carrying out legal activities in the country. The organization has been operating for more than ten years, and during this time it has managed to compile a database of 294 million credit histories.

More than 600 microfinance organizations, mobile operators, banks and insurance companies that issue loans and credits maintain constant cooperation with BKI.

The main activity of OKB is the provision of information services. But the bureau performs several functions: providing reports on credit history, sending requests to the Central Control Commission to find out where the history is stored, managing loan portfolios, assessing the reliability of persons of different categories and protecting against fraudulent fraud.

For reference: You can receive an NBKI report without registering on the Internet in 30 minutes from your partner ↪ .

How to get a credit history at OKB

ZAO OKB is a credit bureau that offers individuals several ways to obtain credit cards.

Personal appeal to the organization’s office

To submit a request, a citizen must provide a passport, a receipt of payment (if the report has already been received in this calendar year) and an offer agreement. The passport can be replaced with another identity document: temporary ID, service passport, military ID.

Sending letter

It must contain an application, which is filled out using the form provided by the bureau (you can find it on the organization’s Internet resource). If you use the services this year, please include a receipt confirming payment and the agreement concluded with BKI.

Sending a telegram

Online contact with the bureau

"OKB" provides clients who are individuals with a separate portal " Credit expert" To find it, from the main page of the organization, go to the section for individuals. persons, read the text that opens and follow the portal link.

Algorithm for obtaining CI online:

1. Please register by creating your personal account and providing complete and reliable information about yourself. Create a custom password and login for subsequent authorization, fill out the required fields of the registration form.
2. Go through identification identity to prevent unauthorized access to your confidential information. You can confirm your identity in three ways: by visiting the main office of the BKI in person, by sending a telegram (it is certified by the operator providing the service) or by sending a letter with a signature certified by a notary. Sample telegrams and letters are available on the portal.
3. Log in in the created account using your password and login.
4. Deposit funds to the personal wallet linked to your account and proceed to full use of the service options.

Useful information: one ready-made report costs 390 rubles. But personal identification will entail additional costs for notary or telegraph services.

OKB (United Credit Bureau) is part of the largest organizations that deal with the credit histories of Russian residents. Its database contains approximately 197 million loan histories. Its biggest partner is Sberbank of Russia. Therefore, if you have ever had to take out a loan here, most likely your data is located in the United Credit Bureau.

It was created back in 2004, and then it was called “Expirian-Interfax”. Since then, this organization has effectively helped all participants in the financial market to significantly reduce their risks, improve the efficiency of decision-making in matters related to lending, and help resolve issues with fraud.

December 2009 was marked by the fact that Sberbank of Russia bought 50% of the shares of this bureau. For this reason, it now combines the capabilities of not only Sberbank, the largest credit institution, but also Experian, one of the global players in this market. In addition, it is also the largest information system that can determine credit risks in any company.

OKB databases

By right, the United Credit Bureau is in a leading position on the Russian market when it comes to loan history. BKI covers almost the entire country, the database is constantly replenished with clients. The introduction of new information directly affects the significance of the data; accordingly, the database is constantly replenished with new users.

Now experts classify the organization as one of the largest in Russia, with about 197 million history of loans, as well as approximately 600 clients. Main competitors: NBCH and Equifax. This includes not only large banks, but also small financial organizations. Most of the credit histories found here are unique. For example, here is information from Sberbank borrowers, whose share in the lending market is almost 33%. Any other bureau will not have such data.

In 2015, a service for online sales of OKB credit reports for individuals was launched. You can also request data from the Central Control Committee.

The United Credit Bureau can provide the following assistance:

1. Will provide the necessary loan reports, help assess the risks of the loan, and help in making decisions regarding the client who has submitted an application to the bank.
2. "Retro scoring". Get data that was created no more than a year ago. You can compare the available data with that provided by the borrower himself.
3. There are services available to help reduce the risk of fraud. You can identify false applications and verify that the client is exactly the person he claims to be. In other words, it is possible to make sure that it is not a fraudster trying to take out a loan.
4. Here you can connect to the largest information system in Russia, which concerns risk assessment of outstanding loans.
5. You can easily manage card limits, collect information about overdue debts, and properly build a cross-selling system.
   Individuals can also use the services by requesting loan histories through the Central Control Committee.

Contacts and details of the national United Credit Bureau

Number in the state register: 077-00009-002, date of inclusion in the register 03/03/2006.

Full name: Closed Joint Stock Company "United Credit Bureau"

Short name: ZAO OKB

OKB official website: www.bki-okb.ru

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Anyone who has ever used borrowed funds from the bank becomes the owner of a credit history. Data on the status of credit histories, under the terms of most agreements, is collected and processed in specially existing credit bureaus. Currently, 26 credit history bureaus are registered in the state register. Most of them are narrowly focused and operate mainly in regional markets. The article examines in detail the activities of the United Credit Bureau.

What is CJSC "United Credit Bureau"

In addition, insurance companies actively cooperate with OKB: IC Sberbank Life Insurance, VTB Insurance, IC Nezavisimost, etc.

For insurance companies, the interest of cooperation with OKB is, first of all, to reduce the amount of losses and reduce the risk of fraud. For example, Equifax conducted a study of the relationship between timely fulfillment of credit obligations and careful driving. The results are quite interesting, here are just a few:

• clients with a credit rating below average are 20% more likely than disciplined borrowers to contact an insurance company for an insured event;
• the amount of payment for insured events for unreliable borrowers is 30-50% higher than for borrowers with a positive credit history;
• in general, the loss ratio for undisciplined borrowers is 25–40% higher than for clients with a good credit history.

The storage period for a credit history in the United Credit Bureau is 15 years from the date of its last change. There is also a regulation for the current change of credit history - 30 days or 1 financial month.

Complete deletion of a credit history is only possible if it was created incorrectly. Although there is a category of fraudulent organizations on the market that offer such a service for a fee. This is especially true for negative credit histories.

OKB also offers calculation of a personal credit rating based on credit history indicators. The result is presented in the form of an automatically calculated score, i.e. the better the credit history, the higher the score.

You can obtain a credit history from the United Credit Bureau in the following ways:

1. Online on the official resource (for individuals). To do this you need:

• register and create a Personal Account in the United Credit Bureau on the system website;
• enter personal data (phone number, e-mail and password) and go through the confirmation procedure when visiting the bureau office in person or by telegram of the established form;
• use the services of the “Credit Expert” portal to obtain a credit report and scoring score.

It is important to note that this method is paid, and to use it you must first top up your personal account on the site. You can pay for the service with Mastercard and Visa plastic cards, through the wallets of the Yandex.Money, Qiwi and Webmoney payment systems.

2. When visiting the office in person(for individuals and organizations) at the address: Moscow, 2nd Kazachy Lane, 11, building 1.

To apply for a credit history, individuals only need to have a passport or other document to confirm their identity. For legal entities and their representatives the following list of documents is required:

• a request in the established form to receive an extract from the credit history, issued on behalf of the organization;
• power of attorney for the right to represent the interests of an organization by an individual, certified by a notary;
• passport of an individual representing the interests of the organization; originals and copies of company documents.

When applying in person, the period for issuing a credit report is from 1 to 3 business days.

3. By telegram(for individuals only). The text of the telegraph message must include the following data:

• date and place of birth;
• full passport details (series, number, by whom and when issued);
• the destination address where the credit report should be sent;
• contact phone number.

In this case, it will be enough to have the signature certified by a postal service employee.

4. By letter at the address: Moscow, 2nd Kazachy Lane, 11, building 1 (available for both individuals and organizations). The following must be attached to the letter:

• for private individuals - a request in the established form with a signature certified by a notary;
• legal entities – in addition to the application and request in the established form, additionally certified copies of the organization’s documents.

Samples and forms of all documents, a complete list of them can be found in the United Credit Bureau on the official website.

It is important to note that in accordance with the legislation of the Russian Federation, the provision of a credit report no more than once a year is free of charge. More frequent requests are paid, and the cost of services is regulated exclusively by the BKI itself.

1. If you find any kind of errors or inaccuracies in your credit history, you must contact BKI as soon as possible to clarify and correct the data.
2. To form the most complete picture of the situation, you need to request your credit history from several credit history offices. For example, when calculating a scoring score, each bureau uses an individual methodology, and when compared, the results may differ slightly.
3. A negative factor leading to a refusal to issue a loan can be not only a bad credit history, but also its complete absence. If you need a positive credit history, you can take out a small loan for a short period or buy goods in installments. Perfectly paid loan installments on the same day will ensure your reputation as a reliable borrower.