A bank debtor is a client who makes systematic delays in repaying a loan. Once blacklisted by the bank once, get in the future new loan becomes difficult. Non-payers have a logical question - how to find out that personal data was blacklisted for loan debtors?

What is the effect of the presence of data in the mentioned list? Is it possible to issue new loan if you are blacklisted? And what is the danger of getting there? We will talk about this in this article.

The mysterious "black list of debtors on loans" refers to the data of the interbank database - MBKI - which are also transferred to the Kronos system. When a borrower applies for a loan and submits an application, the system checks it using several software solutions. Depending on the amount, term and type of loan, the number of verification programs and the level of its depth vary.

So, a borrower with a recent delay on a loan can easily get a loan of up to 50 thousand rubles from a bank that uses the services of a particular BCI; or a loan from MFIs that do not recognize bank scoring systems or use their own. This is due to the lack of a single CBI for all lending organizations in Russia, and unified system borrower appraisals.

Based on different approaches credit organizations to the assessment of the borrower, customers with delays can expect to receive a loan, however, on unfavorable terms.

Only bad debtors have no chance of obtaining a new loan - people who have overdue loans, information about which is reflected in all major credit institutions.

banking terminology

• MBKI. Interbank information base, which stores data on customers. Clients themselves do not have access to it. Reports from the MBKI are not for sale in the public domain, information from them can only be obtained during a comprehensive audit. For this, you should refer to credit consultants and order full check on credit history, focusing on the report from Kronos. It is not recommended to buy reports from the hands on the Internet - falsifications are often sold.
• BKI. Credit history bureaus, they store data on each borrower with a history of his payment discipline. There are only 4 largest BKIs on the market - these are NBKI, OKB, Equifax and BKI Russian Standard. If a report from any BCI contains data on a loan overdue for more than 30 days, this can be regarded as the client being on the black list of debtors. You can order reports from the BKI to check for delays on the websites of these organizations. You can get one report once a year for free - for this you need to pass identity verification.
• Scoring system. Used to evaluate the borrower for compliance with the requirements of the bank. According to the information from the questionnaire that the borrower fills out when applying for a loan, the scoring system evaluates the data and assigns points for each answer. IN credit scoring built-in automatic request for data from the CBI. For clients without a credit history, a different type of scoring is used (which MFIs also use) - socio-demographic.
• Black list of debtors on loans in Russia, also known as a stop list. Each bank has its own. As such, a common black list of debtors for all banks in this moment does not exist. Banks can learn about the borrower’s delinquency and its payment discipline from two sources: these are the BKI and the FSSP data bank - services bailiffs.

In the latter, you can find information about loans transferred to judicial recovery. Microcredit organizations can also check the data on the FSSP. A client who has such loans belongs to the type of bad debtors. Usually overdue loans are transferred for collection after 4-6 months of delay.

What is a stop list in a bank?

Stop list or black list debtors on loans in Russia is a common name for a set of factors obtained from various sources of verification. Being on the blacklist of debtors is the wrong wording of the request. When applying for a new loan, the client submits an application to the bank. His data is evaluated using a scoring system.

In the presence of open delays, with each day (week or month) of delay, the scoring score decreases, becoming critically low.

It is refusals due to low scoring and the presence of open delinquency, which are reflected in the reports on the credit card received by the bank, can be considered a stop factor for obtaining a new loan. Bypassing the scoring system for a borrower with a delay in the bank will not work.

Usually these software solutions are embedded even on the websites of banks. This is where failures follow, which lead to the fact that the client considers himself blacklisted.

Also, the black list of banks is information about borrowers, during the verification of which a suspicion of fraud was revealed. Usually, it is this data that is stored in the MBKI, and banks can request it from each other. Also, this information is contained in specialized reports on the Bank's Security Council, which are used by credit brokers to check the client.

They can be ordered by contacting a specialized company and check for negatives in the interbank database.

The main reasons for clients to be blacklisted for loan debtors

1. multiple submissions to banks for different jobs, or a mismatch in personal data;
2. the use of forged documents by the client was revealed;
3. the client applied to banks for the work done (purchased documents or the work of black brokers);
4. the client had a previous conviction under the article “Fraud” related to credit cases;
5. appeal to the bank on other people's documents.

Consider the question of whether collectors have a black list of debtors. Each company has its own. They do not share this information among themselves, and it will not be possible to find out about the presence of your data in their databases. In their work, collectors use the same borrower verification tools as banks - a request to the CBI and a client verification in the FSSP database.

How to view the stop list of banks?

As we have already learned from the previous paragraphs, there is no single list for people who are in arrears. Therefore, in order to clarify the situation and verify your own personal data, you will need to collect several reports that will allow you to find out the full picture of the borrower's credit history.

The first step in the collection of documents should be an appeal to the CCCH - the Central Catalog of Credit Histories.

It stores information about all CBIs that contain the data of a particular borrower. You can request a report for free once a year, or you can purchase it from brokers or on specialized sites that provide credit reports (for example, Mycreditinfo.ru). The received report contains information about all credit institutions that store the borrower's credit history.

The next step is to request reports from the specified BCIs. At Equiafx, the first time you apply, a credit report is issued free of charge, for this, register on the site and go through a simple verification. NBKI, OKB and BKI Russian Standard provide only paid full reports.

They can be successfully replaced by inexpensive summary reports - credit ratings. They are offered by each of the three BKIs listed. You can order on the websites of the BKI or from intermediaries.

The reports contain information about open arrears, their duration and the number of negative accounts, the exact amount of arrears. A negative account is an account that has open or closed arrears.

The second stage is checking information about yourself in the FSSP data bank. There you can find out about open court cases on credit debts. In the presence of such data, the client goes into the category of persistent non-payers, and obtaining a loan until the debts are closed and information is deleted from the data bank enforcement proceedings is not available to him.

The next step, which you can skip if you wish, is ordering a report on the Bank's Security Council. It contains information about the client stored in the MBKI. You can order this report from credit brokers, but this requires personal presence - the Security Council report cannot be handed out. The cost of the report is from 400 rubles.

And the last stage is the scoring check. A low score is the main reason for refusal when applying for a loan. This report can be ordered from NBKI. The report is called FICO Score, and is used when checking the borrower by banks or MFIs.

Critical indicators are calculated in numbers from 450 to 0 points, in descending order. With a scoring score of over 450, there is a real chance to get a loan or a microloan, even taking into account open delinquencies.

What to do if you are blacklisted?

In conclusion, let's talk about what to do if you fall into the category of debtors. The reports contain information about open delinquencies, the scoring score is critical and the situation is disappointing. Getting a loan seems incredible. Is it so? Not this way.

Even if you have delays in four bases (four BKIs), microloans or loans secured by existing property remain. They are more loyal to the credit history of the borrower.

If you do not have all the databases occupied (delays only in Equifax or OKB), contact banks that work only with the Russian Standard database, or with the NBKI.

Seek help from intermediaries. Just beware of black brokers or outright scammers. There are not so many white brokers in Russia yet, and a list of them can be found on the ACBR website. These companies are professional market players and will provide qualified assistance.

If there is nothing to pay on loans, contact the bank (banks) for debt restructuring or credit holidays. To obtain them, you will need to document the reason for the delay. Banks are more actively making contact with customers, and it is possible to achieve a settlement of the situation even without the help of a credit lawyer. The main thing is not to delay the solution of the problem, but to act.

Sometimes self-initiation of a lawsuit against a bank with a declaration of bankruptcy is much more effective than trying to get a new loan and getting into even more credit bondage. Seek advice from credit lawyer which will tell you how best to proceed.

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

Most borrowers do not know, for example, that when concluding an agreement with a bank, a credit history begins to form. 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, everything that the credit institution knows about you 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 forbidden 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 credit bureau is a legal organization that provides commercial services for the processing, formation and storage of 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, take loan agreement and a passport.

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

By law, any borrower is allowed to make an inquiry about his 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.

back side fast money, received in the form of a loan from banks, manifests itself when the borrower cannot or does not want to pay his debt. One of the sanctions is the blacklisting of the debtor. direct access to the list of malicious non-payers does not exist, but there are ways that allow you to get information about the presence of a particular person in the so-called zone of distrust.

What it is?

The black list is called by different names, in banking it is referred to only as a "stop list". Each bank maintains an electronic database of customers, where all information is stored, which is an individual dossier with all data on existing and previously issued loans, payments and delinquencies.

It contains a separate group, where debtors and non-payers are entered, then special requirements are imposed on these persons.

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• First, the security service of the bank or a specialized collection agency starts working with borrowers from the black lists.
• Secondly, it will be quite difficult to get a loan from this organization again.
• Thirdly, the debtor receives restrictions on traveling abroad if his case is transferred to the bailiff service. Fourthly, by a court decision, the property of the non-payer is seized.

A bank client who is on the black list always has the opportunity to leave it. It all depends on his specific actions. When the problem is quickly resolved, it is removed from the bank's stop list.

The main problem is that, according to Article 23, Clause 4 of the Federal Law “On Credit Histories”, a credit institution is obliged to provide all information about the borrower to the credit history bureau. Information is stored in it for 15 years.

Almost all banks, when applying for loans, apply to a credit bureau to determine the integrity of a potential client, which means that if you previously had problems with paying debts, any bank may refuse to provide you with a service.

It is the credit history bureau that is considered the first instance where you can see the black list of bank debtors by requesting an extract in the prescribed form.

Who gets into it?

The database of persistent non-payers includes persons with arrears on loans. Usually, the list is formed from those whose credit history is clearly damaged due to regular delinquencies and large debts.

Citizens who are late with payments several times and for several days receive only warnings from the bank.

Having delayed payments for several months, you can be sure that you are on this very list. Soon these non-payers will face lawsuits and decisions of the executive service.

Even if after the delay you repaid the main debt, interest, paid fines, there is a high probability that the bank will still blacklist or leave you on the blacklist.

Where to find?

Before answering the question of how to view the black list of bank debtors, we will divide the possibilities for obtaining information into several informal groups, depending on the consumer's credit history, namely:

• stop lists in banks where the borrower made delays in payments;
• lists of collection agencies;
• lists of bailiffs;
• data from credit bureaus.

Black list commercial bank is private information, and it is impossible to get it in the public domain. It is only at the disposal of the organization's credit managers and is used to assess the integrity of a potential bank client.

The bank's stop list is an unofficial document and should not be posted online.

To get information, you need to contact the bank where you took the loan. Request official data on repaid loans taken from this organization. To make a request, you must have a loan agreement and an identity document in your hands.

However, the absence of debts does not guarantee that you are not included in the stop list, which means that subsequent decisions on issuing a loan in this organization will be considered individually.

Collection agencies receive information about debtors directly from the credit institution. From the moment the bank applies to the debt collection service, all rights to claim the debt pass to the collectors. They are engaged in maintaining a database that reflects the names of malicious defaulters on credit obligations.

A credit history bureau is a specialized organization that provides services for the formation, processing and storage of credit histories.

According to Russian legislation any borrower can make a free request once a year and an unlimited number of requests for a fee.

To obtain information from the database of credit history bureaus (CHI), you must:

• Form a request to the CCCH in order to obtain data on which credit bureaus store your credit history. This can be done through any bank, for example, VTB24.
• Form a request to the BCI in order to obtain a credit report. The procedure for applying to the BCI is established by the rules of the organization and Russian legislation.

On the site of bailiffs

One of the more popular ways to get information about being blacklisted by a bank is to contact the bailiff service.

The official website of the federal bailiff service has a database of debtors. It reflects information about whether a person is in the database of debtors.

To access it, you must fill out the prescribed form. You must enter the territorial authority, full name and date of birth. In addition, it is possible to submit a request as individual entrepreneur and legal entity.

Access to the database of bailiffs was opened recently after the entry into force adopted by the State Duma federal law"On Enforcement Proceedings".

The existence of such a database has simplified the work of credit institutions, since it reflects debtors not only for loans, but also for non-payment of taxes, alimony and other debts. The service allows you to easily determine the reliability of the borrower.

If it didn't go to court

Collection agencies intimidate debtors with the court, but in fact they do not file documents with the court soon and only in cases where the debtor completely ignores them and refuses to return the money.

If the debt is repaid at least in small parts, the collectors will not move forward, because in this situation the debt grows, and this situation is beneficial for both the bank and the collectors.

The court is not a way out for the debtor, but the decision of the court will stop the growth of the bank's interest, and the amount of debt will not increase.

It is worth noting that if a court decision is not made, then the borrower can only find out his own debts. And after the decision was made, everyone can get acquainted with his debts on the website of the bailiffs.

What if you are on the list?

Usually, people, when they find out that they are on the black list of banks, take absolutely no action.

Going to the bank and discussing with the manager do not give any results, which means that in order to regain the trust of banks, it is necessary to radically change your financial and payment policy.

• Pay off all debts, interest and fines to a credit institution.
• Open a deposit account with a bank that has blacklisted you. Its regular replenishment, operations on the account, payment of utilities and other services will change the bank's perception of your personality. By being responsible, you will be able to regain your creditworthiness.
• If there is a possibility and your employer transfers your salary through the bank that blacklisted you, try to open a current account in it to transfer to it wages. Regular receipt of funds to the current account will increase confidence and soon you will have an increased chance to get out of the black list of the bank.

Thus, in order not to have problems with the bank and bailiffs, think several times before taking out a loan, whether you can make a monthly payment, and whether there will be enough funds left for you to exist after paying the monthly debt. Finding yourself on the list of unscrupulous defaulters is much easier than maintaining your credit history at a trustworthy level.

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 damage to the credit history, and therefore get a loan again in financial institution it will be quite difficult;
• 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.

As you understand, the main factor influencing the bank's decision to issue a loan is not your income, but your credit history. And you, even if you have provided all the documents, brought guarantors and offered a pledge, they can simply refuse if the credit history is damaged.

How to find out the status of your reputation? And is it possible to find data on one's "reliability" in open sources, ideally - online, so as not to spend a lot of time searching?

Many people ask this question, and most of them are interested in a single database of loan debtors (the so-called "black list of debtors").

Indeed, it would be convenient not to search for anything and only once to enter your (or someone else's) name in the search, having received accurate and up-to-date data. You have such opportunities, but ... However, we will talk about this "but" a little lower.

Myth or reality?

Yes, it really exists. The unified database of debtors was compiled by the Federal Bailiff Service and is available at http://www.fssprus.ru/iss/ip/.

It has been compiled for quite a long time, but relatively recently it appeared in the public domain.

IN single base debtors includes information on debts of all types:

Loans;
- taxes;
- alimony;
- rent.

In fact, any debts to the state, municipal and state organizations, individuals and companies are included in this base. Including debts to banks.

You can use this data not only to check your credit history: if your debts are included in such a base, you are unlikely to be released abroad, and you can forget about a vacation in Turkey or a tour of Europe until you pay your bills.

And now - about that very "but" ... Base Federal Service bailiffs and a single database of debtors on loans are NOT the same thing. First of all, because only those debts that have become known to the executive authorities are entered here.

In particular, if you simply delay the payment, and the bank charges you a fine, such debt is not included in a single database. The same is true with loans that are not repaid on time.

It is a completely different matter if the case went to court, and the court decides in favor of the bank. In this case, the outstanding debt, which the bailiffs are now dealing with, is included in the base.

If you find yourself in such a database, do not despair: information about your debts will disappear as soon as you pay them back. In this article, you can learn how to refinance your loan on more favorable terms for you.

Do banks use such a base?

Until a certain point, the only possible option the customer's due diligence was the Credit Bureau. In order to check the history of a future borrower, banks had to apply to those BCIs used by organizations that had previously issued loans to a client. At the same time, the borrower could easily "forget" to indicate about the unpaid debt.

With the advent of a single database, everyone can now view the list of debtors for loans online. Including financial and microfinance organizations. Information is provided to everyone, completely free, and the bank does not need to enter into an agreement with a specific CBI in order to receive up-to-date data.

On the one hand, this violates personal privacy to some extent. And it is unlikely that your alimony debts, which you fundamentally refuse to pay, somehow affect your reliability as a borrower.

On the other hand, a single database of loan debtors is more convenient for borrowers. In particular, the database contains only up-to-date information, and if you have repaid the debt to the bank recovered in court, you can get a new loan with a "clear conscience".

Do banks use additional sources?

Enjoy. For one reason - given base The bailiff service does not display the full picture. The credit history bureau does not lose its relevance: here your debts (any delays and fines charged to you) are stored for a long time. Almost forever. And if the debt collected in court disappears from the Unified Database immediately after its repayment, then in the BKI the very fact of the trial becomes that "stain" on the reputation, which is quite difficult to get rid of (but it is possible that we will write about this separately ).

Before contacting a bank, it is worth checking not only the Unified Database of Debtors, but also the credit history in the BKI. This is especially important if in the past you had difficulties with repaying a loan (allowed delays in payment or could not repay the debt to the bank within the period specified in the contract).

The following information will also be helpful.