A loan is a support and help in a difficult situation. Modern world unthinkable without the banking system, and retail consumer loans proof of that.

Most borrowers do not know, for example, that when concluding an agreement with a bank, credit history. Further relations with the bank depend on it.

Credit history: how is it formed

It is better to know more about the formation. It all starts with the completion of the contract. The future borrower in the paragraph on the permission to provide information to third parties or organizations put a tick, confirming their consent to this action. From now on, all that is known about you credit institution, will be in .

To facilitate the process of tracking the borrower, a combination of numbers and letters is assigned. The numbers and letters are consistent with the borrower. Further, this code is entered into the Bureau of credit histories. It is possible to find out information by individual code third party bank or credit institution.

There are situations when borrowers forget personal codes. However, there is a need to obtain information on your own credit history. To do this, you need to visit the Bureau or any branch of the bank that issues retail consumer loans. Absolutely any credit organization with access to the CBI is suitable.

It is not prohibited by law to rename your own code. To do this, they contribute no more than 300 rubles for work, and in return they receive an updated combination of numbers and letters.

A responsible borrower rarely, but still, faces moments when a loan is denied, referring to debts to another bank. Why is it so?

Everything is simple. Negligence of employees of the bank in which the loan has already been repaid. They do not timely enter data on debts into the database. Therefore, there is a temporary confusion.

About credit bureaus

In legal language, a credit bureau is a legal organization that, for commercial purposes, provides services for the processing, formation and storage of a credit history. Additionally, the BKI issues reports or certificates on a fee basis.

According to the data Central Bank Russian Federation by 2016, there are 19 organizations.

The interesting thing is that only 5 of them take the leading place.

Each bureau is required to perform the following functions:

1. get a credit report in one minute (online mode);
2. creation of conditions for discipline of borrowers;
3. access to the Central catalog of credit histories;
4. access to the Federal Migration Service;
5. tracking the discipline of borrowers;
6. provision of scoring cards thanks to its own database;
7. external correspondence with borrowers or the bank;
8. creation of reporting on which the loan portfolio is formed;
9. fight against fraud;
10. processing of loan applications;
11. relationship with similar credit bureaus.

Credit history databases for individuals: access, blacklists

The black list is also called stop list. The list includes debtors, non-payers. Everyone who, for any reason, is put on the stop list.

Blacklists are sorted as follows:

• stop list in the bank, in which all bad borrowers are entered;
• data in collection agencies;
• data in the lists of bailiffs;
• information from credit bureaus.

To gain access, you should contact the bank branch where the loan obligations were drawn up. The branch is allowed to make a request for a repaid loan. To do this, they take a loan agreement and a passport with them.

If you contact, then you need to know that they receive information from a credit institution.

By law, any borrower is allowed to make a request for their own credit number for free only once a year. For a fee, it is allowed to find out the status of the black list.

To obtain information through the Bureau of Credit Organizations, you need:

1. Make a request to the CCCH about your own credit history. The request is made through any commercial Bank. The procedure has been described previously.
2. Make a request to the BKI with a similar purpose. To do this, you need to contact the organization from the registry. The register is available on the website of the Central Bank.

How to check your credit history for free

To look at the desired credit history, 4 ways have been created:

1. Personal visit to the credit bureau.
2. Bank branch or online service.
3. Authorize the above organizations with a letter, which is pre-certified by a notary.
4. Internet check online.

All four methods are free. And here online check should be analyzed in more detail. There are several agencies specialized in providing information. Their links:

1. Internet bank. Through Personal Area you need to follow the link that will direct you to your credit history. The link is missing if Internet banking does not provide services for accessing the black list. Additionally, send a request to technical support. To do this, you must fill out a special form. It can also be found in your personal account.

Clicking the links is free, but to work with the services, you must go through a mandatory registration. Working conditions for each service are individual. In some, information is provided for free the first time, then for money. By paying for these services, customers receive additional bonuses in the form of SMS informing, fraud protection, error correction and provision of a personal code.

How financial institutions check credit history

These checks are carried out through the Bureau. The credit bureau provides information upon request from a credit institution.

Theoretically, this is done as follows:

1. After the client submits an application for a loan, the bank employees receive a request for the Central catalog of credit histories. This is necessary in order to know for sure in which Bureau the client's credit history is located.
2. It is easy to guess that after that, the bank sends a request to the bureau for credit history.
3. The credit bureau begins work on the applicant's data. The reconciliation of personal information, which is indicated in the application from the bank, with the data to the database begins. We are talking about passport data, full name, and more. After reconciliation, the opera arrives at the bank with a report.
4. The bank, having received a report from the Bureau, reconciliation and evaluation of the information received is carried out similarly. As a result, a decision is made on approval or refusal.

And what is in that report from the BKI?

It contains data on four components:

1. Client identification data. All information on the title page.
2. The basis. Actions on open and closed loans. Everything about the size of loans, time and periods of repayment, types of loans, delays.
3. Additions. Information about the sources from which data on loans and existing debts are taken.
4. Study. At the end, they write down information about refusals of loans, also indicate the specific reason.

Credit history management

At the beginning of the article, we talked about an individual code consisting of numbers and letters. It was invented specifically for monitoring and managing credit history.

How to send requests for monitoring has already been discussed earlier. But what to do if you need to make changes or notice a clear mistake in your personal credit history.

Corrections can be made in case of errors or incorrect data. It's simple: they collect documents confirming the errors and send them to the BKI. The organization must consider the application within a month. If the client is right, then the inaccuracies will be corrected. If the correction did not follow, and the errors are clearly present, then going to court will correct the situation.

Checking in CCKI

In an accessible video format, the sequence of steps that must be followed in order to take advantage of the possibilities of CCCH to check the history is explained.

The emergence of a large mass of debt from bank customers is the result of the availability of loans and quick loans. Not every person is able to calculate their financial resources to commit monthly payments. If he accumulates obligations on loans, data about him are entered into the black list of bank debtors. Entering information there threatens the debtor with many problems, in particular, a damaged credit history. Such a database is not publicly available, but there are ways to obtain information from it.

What is a black list of debtors?

represents electronic system, which includes persistent defaulters on loans. The data list is compiled banking institution. Getting there threatens the following sanctions:

• The security service of a banking institution or collectors begins to work with persons from the data list in order to collect existing obligations;
• This is a damage to the credit history, and therefore it will be quite difficult to get a loan again from a financial institution;
• This threatens with a ban on leaving the state. Is it possible for debtors to travel abroad;
• If the case is brought to court, the debtor's property may be seized with its subsequent sale.

The database is updated regularly. And it not only replenishes. You can also exit it with the fulfillment of certain conditions. In particular, this is the coverage of loan obligations. But not everything is so simple. In any case, getting into the list of data should not be allowed, as this entails the transfer of information to credit bureaus.

If a person leaves the stop list, even when he has made all the payments, then the information is stored in the bureau for 15 years - this can complicate relations with counterparties and financial institutions.

Who gets on the bank list?

The database is replenished immediately. If a person has missed deadlines several times, this is not a basis for his inclusion in the stop list. First, the banking institution sends to the debtor. The base is a storage place for information about malicious defaulters on loans. You can access it under the following circumstances:

• Delays observed regularly;
• Accumulation is large ;
• No payments for several months.

If a person is recognized as a persistent non-payer, he may be left on the list even if he has paid all debts and fines. The bank is thus protected from further contacts with dishonest clients.

The database of debtors is regularly edited.

Viewing information from the stop list of Russian banks

How to find out if a person is on the black list of debtors? Initially, you should decide what kind of base is meant. It can be collection, banking. Depending on who owns the list of data, the features of obtaining information differ:

1. If the base belongs to Russian banks, it is almost impossible to get information from it on your own. This is a private portal required for bank employees. It is not posted on the Internet. You can check your presence there in one way - to find out about your obligations at the bank. However, even if they are completely covered, this is not a guarantee that the person is not on the data list. If there is information about the person in them, this means that subsequent requests for loans will be refused, as the person has established himself as an unscrupulous borrower.
2. Special lists are available from collection services. Agencies receive information about debtors through credit organizations, after which they compile their own list. It is also confidential information available only to service employees.
3. All information about debtors is stored in credit bureaus. Russian law assumes that a person, once a year, has the right to a free request to the bureau to obtain information about their debts. However, if requests are made more often, they will have to pay. To obtain the required information through the bureau, you must create an appropriate request.

Another way to obtain information on loans is to contact the official resource on the Internet of bailiffs. This site also has a list. It is formed from those debtors to whom enforcement action. How to find out debt writ of execution, . This method is the simplest, since it is enough for it:

1. Register on the resource;
2. Enter with the proposed line full name, date of birth;
3. You can get the necessary information in another way - enter the number of enforcement proceedings in the appropriate stanza.

The list of debtors on the FSSP website is good because information can be provided to any person. To do this, it is enough to know only a minimum of information about the debtor.

The site displays debts of the following nature:

• Loans to banking institutions;
• Loans from individuals;
• Alimony obligations.

The site is the best assistant to credit organizations that want to check a person for good faith. However, it also has a downside. Information on it is published only if the debtor is subject to court proceedings. If there is a debt, but the creditor does not sue, information about the borrower will not be published.

Algorithm of actions when getting into this list

How not to get into the black list of bank debtors? Even in the event that there are not enough funds to pay off loans, it is possible to avoid entering the stop list. To do this, you need to follow the following recommendations:

• If there are financial difficulties the bank must be notified. Only malicious non-payers are included in the list. If a person understands his responsibility, but a serious illness or loss of a job prevents him from fulfilling his obligations, the banking institution will not be so severe with him;
• If the funds are not enough to cover the debt, it is worth making at least small payments. This will help prevent the sale of debt to collectors and getting into their lists;
• You should prove yourself as a conscientious payer. For this, good reasons for the lack of payments are provided (a certificate from the hospital, a document confirming the dismissal from work). The borrower must answer calls and notifications of the bank, participate in negotiations.

What to do if you get on the list of data? This problem is relevant if the person has further plans to work with a banking institution.

The database of debtors of Russian banks is a private portal.

How to exclude yourself from the database?

To leave the stop list, the following recommendations must be observed:

• It is necessary to make all payments on the obligations on the basis of which the listing was made. You also need to pay the accrued penalty;
• You can open a deposit account with the institution. To restore the trust of the bank, it is necessary to regularly replenish it, pay utility bills from it. This contributes to the return of creditworthiness;
• You can open an account to which the salary will be transferred. Constant replenishment of the account increases confidence in a person, which contributes to his exit from the stop list.

An example of using the black list of debtors - legal entities on this video:

Leaving the list will give a person the opportunity to continue to interact with a banking institution: take loans and borrowings, and carry out other operations. However, it is better not to fall into this list. If there is an exit from the internal stop list of the bank, this does not mean that information about the admitted obligations has not been stored in other places. The relevant information is kept by the credit bureau.

If a person has made the necessary payments, this does not threaten him with the intervention of collectors and the imposition of penalties. But the presence of impartial information in the BIC and on the FSSP resource can complicate relations with counterparties. Before concluding agreements, organizations often check a person for his solvency and good faith. Information about numerous delays can lead to reputation damage.

A loan is an easy way to get money quickly, but sooner or later you have to pay it back with interest. Not all borrowers are able to repay the debt on time, strictly in accordance with the loan agreement. The first measure taken by the bank against the defaulter is blacklisting. In every bank or micro financial organization has its own database of loan debtors, it is not available general public, but you can check the fact of being on the black list.

Client base of banks

Blacklist Concept

The black list is a group of clients who periodically violate the terms of the loan agreement. In some banks, I call it differently - stop list. This includes clients who:

• do not pay the loan at all;
• make payments later than the term specified in the contract;
• do not pay the next payment in full.

In relation to such borrowers, banks take measures ranging from notifications and reminders, ending with the assignment of rights to claim debt to collection agencies. This may end in a lawsuit, which threatens the debtor with seizure of property and other restrictions.

Credit history and blacklist are different concepts. From the stop list, banks cross out the client who settled the dispute on time, data is stored in the CI for 15 years.

But according to the law, each creditor is obliged to transfer data to the Credit Bureau about unscrupulous borrowers.

What threatens the borrower with a black list

You can be blacklisted only if you systematically violate the terms of the contract. This is not just once, but several, and late payments appear through the fault of the borrower if he does not have time to pay the loan on time.

After the first delay, and if it is the only one, the bank does not blacklist the client, it can only issue a warning.

But it is in the power of the client to change the situation if he properly fulfills his obligations. The statistics in the bank's database are updated and, over time, the borrower is removed from the stop list, which will allow him to reapply for a loan.

How to check the blacklist

It is necessary to immediately determine that the list of loan debtors is available only to its employees in order to assess the identity of a potential borrower. Online this information is not placed. But you can and should check your data in the following instances:

• bureau of credit histories;
• on the FSSP website;
• at the bank where the loan was previously issued;
• lists of collection organizations.

Now in more detail, in order to inquire about your credit reputation in a particular bank, you need to come to the office with a passport and ask the teller to make a report on the paid loan. It will clearly show whether the debt is repaid and how timely the borrower fulfilled his obligations. But this measure does not guarantee the client that he is not on the black list.

Loan debts

The FSSP website contains information about debts and recoverers, when a judgment. You can make a request online, for this, through the search engine, you need to find the official website of the FSSP and follow the following instructions:

• select "Services" in the top menu bar;
• then go to the tab "Database of enforcement proceedings";
• select the region of the Russian Federation;
• enter your full name and date of birth;
• a table with data on debt collection will be displayed on the monitor.

In the CI Bureau, a request can be made remotely, through the official resource of the system. At the request of the service, you must enter passport data and receive a report. The service is free, if you use it once a year, re-applying will cost within 1000 rubles.

Collection agencies have lists of debtors for the loans they work with. Is it possible to find out if there is a surname there? No, this is private information. Only employees of the organization have access to it. But the client will definitely find out if he is on the list collection agency, the employees themselves will inform him about this as soon as possible.

Please note: the database of debtors on loans of Russian banks is strictly confidential information, no one has the right to disclose it. This is the law "On Personal Secrets", which is regulated by the Constitution of the Russian Federation.

Will the case go to trial?

Many debtors are afraid that collectors will sue the debtor. But this is the most extreme measure and they rarely resort to it. To make it clear: the task of the collector is to settle the dispute with the debtor in a pre-trial order. Accordingly, if the debt is paid in small installments, then there will be no trial.

The reverse side of the coin is that banks charge fines and penalties, which can exceed the principal and interest on the loan. Only the court can stop the process, but the collection of debts will no longer be collected by collectors, but bailiffs performers.

What to do with a client who is blacklisted

It is up to the borrower to change the situation and restore the trust of the lender. To do this, you can take several steps:

• close all debts and loans;
• open a deposit account in a bank where the client is blacklisted and regularly deposit funds into it;
• if a blacklisted borrower receives wages on plastic card, then you can become a payroll client of the bank.

The statistics will be updated and the client will be able to borrow from a financial institution again. Things will be much worse if his credit history is hopelessly damaged, because absolutely all creditors check it. Although some of them may turn a blind eye to past debts, provided that they are already closed.

Find out the black list of banks

For those who are interested in how to find out the blacklist of loan debtors, we can say unequivocally that this is impossible to do. The only solution is to meet our obligations on time loan agreements, calculate your financial capabilities and always get in touch with the lender to avoid conflict situations.

Loan payments do not always go according to plan. If the borrower is overdue by 4-5 days, this information is immediately transmitted by banks to the Credit Bureau, the reputation of the debtor is reduced. If non-payments occurred several times or it is established that they are regular, then the citizen's data is placed on the "black list". Getting a loan after that is quite problematic for him.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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However, the possibility of obtaining a loan open arrears remains. In addition to receiving money, you can thus restore your credit history in order to receive large amounts in the future. What is this product and how to get funds for it, in detail in this article.

Who can issue

There are several companies on the market that are really ready to issue funds even to borrowers who have repeatedly made delays and are on the black lists of banks or MFIs. This list is subject to the following conditions:

MFI	Amount, maximum (rub.)	Term (days)	Registration (minutes)
money man	15 000	5 — 31	1
"Mig Credit"	80 000	56 — 252	15
"Ekapusta"	30 000	7 — 21	instantly
Credit24	20 000	7 — 30	10
"Zimer"	30 000	7 — 30	5
"Honestly"	10 000	5 — 20	5
MyZaim	30 000	1 — 30	1
"Just Borrow"	15 000	5 — 30	15
Yes Credit	25 000	7 — 21	15
Manimo	100 000	1 — 365	15
"In the pocket"	15 000	5 — 30	15
OneClickMoney	20 000	5 — 16	20
"before payday"	30 000	7 — 30	instantly

Microfinance organizations accept applications around the clock.

Also, banks deal with the issue of lending to borrowers with delays and in the "black lists":

• Sovcombank - the program "Credit Doctor";
• Transcapitalbank offers to issue a loan up to 150,000 rubles. at an increased rate of 29.9 to 32.9% per year. Funds are issued in cash at the cash desk of a credit institution;
• Bank Zapadny is ready to issue a loan for up to 3 years with a bad financial reputation in the amount of up to 100,000 rubles. at a rate of 25.9 to 35.8% per annum.

With a bad reputation in banks, you can also contact a loan broker. He will select an institution where the percentage of approval of the application will be high enough, prepare everything Required documents negotiate with the bank for a loan. The cost of services of such representatives depends on the region and is approximately from 5 to 10% of the loan amount.

Is it possible to take being blacklisted

What is a bank's "black list"? It contains data:

• about malicious non-payers, allowing significant delays regularly in large sums or non-paying debt at all;
• fraudsters who provide a fake as proof of the source of income: a certificate or in the form of an enterprise;
• persons submitting false documents, copies of passports to other persons to a bank or other credit organization;
• potential borrowers whose score has dropped sharply due to the fact that they applied to several credit institutions at the same time. For example, to brokers without a license, to a car dealership or any other outlet for the purchase of consumer goods. At the same time, the filing of applications was massive - questionnaires were sent immediately to 3 or more companies. This also applies to applying to microfinance organizations (MFIs). Submission of several applications to the loan centers at once is reflected in the system of automatic approval of applications and credit history. Such actions are considered as the consumer's uncertainty about the approval of the questionnaire of one of the companies, which indicates his insolvency or fraudulent actions. Failure will follow in all financial companies simultaneously in such a situation.

The base of the "black list" of debtors can be both internal to the bank and form part of the system for verifying the identity of borrowers in relation to the commission of criminal acts. The latter is called Kronos.

If the debtor is in such a database of one of the banks, then he can apply to other credit institutions. Subject to other lending conditions, there is a high probability that he will not be refused.

When the information is placed in the Kronos bank, the probability of a positive decision is zero. In this case, funds can only be received upon depositing collateral.

For a car loan, this will be a car, for large consumer loans - real estate or other valuable property. Mortgages are more likely to be approved, as the property remains mortgaged until the full amount is paid, including interest and other payments.

You can get information about the location of the data of a certain person in the unified interbank system "Kronos" or the database of a certain credit institution upon a paid request.

Citizens included in the "black lists" have the opportunity to receive a mini-loan in microfinance organizations. This is because MFIs do not have access to bank vaults. They maintain their own databases, and each company forms it independently.

Requirements for borrowers

With open delays, a loan can be issued only if the following requirements are met:

• the age of the borrower is from 18 to 75 years;
• the presence of Russian citizenship;
• permanent registration on the territory of the Russian Federation;
• the current delay is no more than 3-4 days;
• if a loan is needed to cover another loan that is in arrears, funds are provided if the payment date is not later than one month before applying for a loan;
• confirmation of income, place of employment and source of permanent income is required.

Depending on the situation, banks or MFIs may impose other conditions on an individual basis for borrowers who are in arrears.

The procedure for applying for a loan on a card with open delays and a black list

There are many resources on the Internet that offer to apply for an urgent loan on a card with open delinquencies. In fact, behind this advertisement is the following. Such sites collect data from applicants and are not official representatives of microfinance organizations.

After entering the data for the application, they are redirected to the web pages of the MFI, where the application process itself is already taking place.

The promise to issue a loan in the presence of delays is often not justified. If the debtor's data is on the "black list" of the credit institution, his application will be refused.

• handling questionnaires at once in several credit institutions;
• receiving credit card in one of the banks;
• signing a consumer loan agreement for the purchase of goods;
• use of services of microfinance organizations.

When an application is received, the funds go to a credit or debit card either account or online wallet any service like Contact, Leader, etc.

Some banks and organizations in the presence of delays in loans are ready to cooperate with the borrower.

However, the conditions of such contractual relations will be very strict: increased interest rate, shortened return periods, high penalties and late fees, mandatory surety, provision of papers on income and their sources, pledge of real estate, cars or other property, etc.

The demand for a loan offer with a bad credit history for citizens included in the "black lists" is gradually growing.

This is explained by the fact that people need money for large purchases, the standard of living rises, and this is logical, since if solvency is fully restored, for example, when applying for a new job or when starting a business, there are no reasons why there was a delay or the loan was not paid.

Non-fulfillment of financial obligations can occur not only due to dishonest intentional non-payment, but also due to the course of difficult circumstances: a serious illness, layoffs in the place of permanent employment, etc.

Loan to close loans

It happens that there is not enough money to close the loan or the salary is delayed, but at the same time the debtor has an overdue debt. Or the borrower got into a "debt hole" and you need to urgently cover the debt to close the contract on the last payment.

What to do, is it really the only way out is the help of relatives? In such a situation, you can contact another bank, but the likelihood of a positive decision is very small. Available to receive funds in microfinance organizations. Their programs are different. a high percentage a positive outcome of the consideration of applications.

The minimum requirements for borrowers, as well as for obtaining loans in the presence of a bad credit history, "black list" or delinquency. To do this, you will need a passport with a residence permit, number mobile phone and preferably email, data bank card or accounts.

The concept of a borrower/debtor under a loan/credit is introduced in Article 807 of the Civil Code of the Russian Federation “Loan Agreement”. A borrower is defined as a party to a loan/credit agreement that accepts money and is obligated to repay it.

Types of bank debtors on loans

Bank debtors can be classified as follows:

• by loan currency - ruble and foreign currency borrowers;
• by type of loan - mortgage, car loan, consumer;
• by the degree of delay - from standard, servicing loans on time and in full, to bad ones, in terms of repayment of loans taken;
• by age, region, professional affiliation.

How many loan debtors does each bank have and banking system Russia as a whole - information that can hardly be called open and accessible. According to expert estimates, bad debts for individuals increased by 52% at the beginning of 2015. In particular, the Bank of Russia notes that the number of borrowers on outstanding mortgages as of January of this year amounted to approximately 25,000.

The search service has the following sections:

• common base;
• list of loan debtors - data on individuals;
• information on legal entities;
• alimony debtors;
• debtors from the FSPP register and those for which there is a court decision.

Loan debtor website

The above information resources are intended primarily for creditors. Their goal is to find problem borrowers. The website of the debtors solves the inverse problem. This is a web resource designed to help a borrower in a difficult situation.

What the visitor can learn:

• thematic news;
• reflecting the topic of debtors in social networks;
• advice on counteraction;
• specialized legislation;
• tax debt check service;
• how to create a credit history and work with it.

Separate sections are registers of debtors and tips that are useful in servicing credit debt.

Role of the NBCH

The largest Russian bureau is NBKI. The National Credit Bureau owns the largest database in the country. It is with this bureau that credit and financial institutions of the Russian Federation closely cooperate at all stages of work with the borrower - from his application for a loan, to full repayment debt or problem. Your consent to the transfer of data to the BKI is an indispensable condition for issuing a loan.

What can the NBKI offer to an individual borrower:

• information about what a credit history is and why it is needed;
• the ability to verify and challenge your story;
• credit history code;
• necessary references.

1. If you have problems with debt servicing, try to find a common language with the bank's loan specialists. Be honest about your situation and ask for advice.
2. Propose a reasonable debt restructuring mechanism, credit holidays(deferred payments on the "body" of the loan) or currency exchange (for a foreign currency loan).
3. Check with the bank the full debt on a certain date - the amount of the principal debt, current and overdue interest, commissions, fines and penalties.
4. Pay at least some amount to repay the loan.
5. Be prepared for the lender to go to court. Weigh your chances in this situation with a lawyer.
6. Get ahead of the bank if your debt parameters qualify for bankruptcy. Get legal advice, incl. and in the court at the place of your registration - district or city.