Кредитная история

The Credit History application offers the user two services:

1. Checking the credit rating, priced at 299 Russian rubles.
2. Checking the credit history from NBKI, priced at 899 Russian rubles.

Both reports can be useful when applying for a new loan. The credit history from NBKI provides detailed information on where and when you took out loans, how payments were made, and whether there were any delays.

The credit rating is essentially the same detailed report from NBKI but condensed and easier for the user to understand. It will clearly show why you are being denied credit and what the likelihood of approval for a new loan is.

Additionally, users can access their credit history for free once a year by finding out where their credit history is stored, submitting an application to NBKI, and receiving their credit history for free by mail within two weeks in Russia.

Banks recommend individuals who frequently use credit services to check their credit history 1-2 times a year.