How can I find out the code of the subject of credit history in Sberbank?

The credit history subject code is a set of numeric and alphabetic values used to access information under protection in the central credit history directory (CCCH). With it, customers of banking institutions face when they come to the bank for borrowed funds. The concept of "credit history" in modern Russia has taken root in the minds of citizens, as well as the term "credit". And that's why everyone suddenly became interested in where we can get this kind of information. To obtain such data, you must first have a credit history code . How to find it and get it in case of absence, we will consider in more detail below.

The purpose of the code

To understand the purpose of the subject code, consider an example. The banking institution in which you applied for a loan required a credit history. But you do not know where you can find such information. So that you do not have to go around all credit bureaus, you can use the Central Bank website, section of the Central Control Commission. By entering personal information and the code of the subject of the credit history, it is not difficult to find out the bureau in which the information related to the CI state is located. To scammers could not see such information about you, knowing your passport details, and the code of the subject was invented.

Why do I need to know the credit history?

1. Know the situation regarding CI is necessary to make sure that you do not have obligations to credit institutions that were obtained through fraud. Since not always a negative credit line is the fault of the potential borrower of the bank. Often clients become victims of intruders. In addition, there are cases when a credit history can be considered corrupted due to the fault of employees of financial organizations who mistakenly recorded a loan in your name. In such cases, you can challenge the erroneous data.
2. Knowing this kind of information, you can find out the reasons for banks' refusal to borrow money and fix the current situation.

How is the credit history formed?

The borrower receives a loan from the bank and starts according to the schedule, without any delay to repay it. So begins the credit history of any borrower. In this case, it will be positive, since there is no delay.

But consider the situation in which you for some reason have delayed another payment, or maybe not one. It's quite bad when you did not repay your debt to the credit institution. That's when the history deteriorates, and over time it can become negative in the eyes of financial organizations.

Almost all banking institutions pay attention to the client's credit history when issuing a loan. With a positive story, they will willingly lend you money on more favorable terms. And with the bad you are likely to waive. Although among the banks there are those that work with borrowers who have a negative credit history, but their conditions will be tough, and interest rates - predatory.

What does the credit report look like?

1. The title part. This section includes information about the borrower - name, passport data, TIN number and so on.
2. The main section includes all information about the loans you received, namely - the amount, the name of the bank that issued the loan, the presence or absence of delinquencies, the maturity date.
3. The closed section contains data on banking institutions that issued loans.

Where can I find the CI code?

The code of the subject of credit history is established by the client of the bank when signing the loan agreement. For example, Sberbank allocates for this purpose a special annex to the contract. And in some banks it is mentioned in the text of the treaty.

The credit history code is a combination of numbers and letters, and it should be known only to the borrower.

If the code was not installed when obtaining borrowed funds, then it can come up later. For this it is required to send an application to the BCI or visit any bank.

Additional subject code

After you received the CI code in the office, you can install additional code. It, unlike the main one, is used only for a month from the date of formation.

Often this code is created so that when the customer's history is needed by another person, for example, the bank, not to give him a written consent each time. You can simply give him an additional code, with which he will have access to the necessary information of the borrower for a month. After the expiration of the additional code, it is canceled.

How to get additional code?

The process of installing additional code includes the following steps. It should be:

1. Enter the website of the Central Bank.
2. Enter the code of the subject of the credit history (how to find it in case of loss - consider below).
3. Fill out the proposed form for assigning additional code.
4. Assign additional code.

Although the procedure for obtaining additional code is simple, it provides protection for the borrower's personal data.

How can I change the subject code?

To change the code of the subject, the borrower has the right to apply to any banking institution, and not just to where he took the loan. The bank will send a request to the credit history bureau, where it will go to the CCCH, where they can answer it. The answer from the CCCH will fall into the bureau, and from there to the bank and the borrower. For the change procedure to be faster, you can immediately contact the credit bureau.

How do I find the subject code?

Above, we examined the main points that the code of the subject of credit history possesses. How do you know it if you forget it? There are several ways:

1. You can find out the code of the subject of the credit history in the bank where the loan was received. Employees of the bank must provide the code at the first request of the client. The borrower needs to have a passport with him.
2. The code is present in the loan agreement, which was formalized when obtaining borrowed funds. This is considered the easiest approach to determining the code of the subject of credit history.
3. How to learn the code remotely? You can resort to the services of the postal service. For this, the application is filled out, which must be notarized. Then the application together with the receipt for payment of notarial services is sent to the NBKI. There, the code will be changed and new data will be sent to your address.
4. With the same statement you can apply to any credit bureau. In addition, the borrower should have a passport with him. Based on these documents, you will receive a new code of the subject of the credit history.

How do I know if I have not taken a loan in my life, this code? The latter two methods are suitable for this case.

It is worth noting that if you lose the code, you can not restore it, you can only get a new one. But do not think that information about credit history will accumulate anew, and all the "sins" in this way can be hidden.

How can I find out the code of the subject in Sberbank?

If the borrower needs to know the code of the subject of the credit history, Sberbank can not tell him. And all because such information is stored not in the bank, but in the bureau of credit histories. Therefore, it is better if the borrower goes directly there. To avoid scammers, you should contact the bureau that passed the state registration. On the official website of the NBKI, you can find the application form to receive a new code of the subject of the credit history.

How can I find out the code in Sberbank if the loan was received there? You just need to contact the bank's employee with a passport. He is obliged to communicate such information at the first request of the client.