Find out the availability of credit by passport number. How to check if you have taken loans to your passport

1. The first way is to check the history through official services.
2. Check through bailiffs
3. Authorized Services
4. Are you sure you don't have a loan?
5. How does it all start?
6. What does credit history give?
7. Credit history structure
8. If an error is found
9. Annual statement
10. Sberbank of Russia
11. Instead of conclusion
12. All methods of checking KI for free
13. Through the credit bureaus
14. Through the bailiff service
15. Checking debts in the bank on the passport
16. KI by name
17. Check CI by card number
18. Instructions on how to find out if there is a loan debt by loan agreement number
19. Can you find out about the debts of a deceased person?

The debt of the population is growing every year. If ten years ago, one loan in the family was a rarity, then today there are three, four or more. Sometimes even the wife does not know whether her husband has debts. Today we will talk about how to find out if there are loans on a person. This can be important information for a young couple who is about to get married. Is it possible to plan a happy future, if one of you has an outstanding debt behind you, and do you plan to take more on organizing a wedding? This is a special case, but sometimes it can lead to a divorce. Consider ways to learn this "dark" side of life.

The first way is to check the history through official services.

So how to find out whether there are loans on a person can only he himself, you will need to enlist his permission. So first way, check credit history through a special portal or credit bureau. In the first case, you will need an electronic signature and basic information about the person. In the second case, you can not do without power of attorney. In fact, the request in this case does not sound like finding out if there are loans on the person, but he himself, through you, wants to verify his data. Of course, for this it provides all its data, signatures, and if necessary, it is personally present at issue.

Check through bailiffs

There is another option, which sometimes have to resort. If you are looking for a way to find out if there are loans on a person, and he voluntarily does not want to tell anything, you can check the information through bailiffs. But this method is suitable only if there is arrears.

Is it possible to find out if a person has a loan just by contacting a bank? No, in this case, employees will be forced to refuse, because the information is secret.

Authorized Services

We emphasize once again that if he regularly pays the bills, then no bailiff will help to find out if a person took a loan from a bank. What may it take? For example, the father does not pay child support, but suddenly the former wife finds out that he took out a loan. Of course, if you find out in time in which bank they gave him money, then you can seize the account through a bailiff. But to look for all the banks will not be a single bailiff.

Another thing, if the debt was formed. In this case, there are two ways to determine the presence and amount of debt:

• Personal appeal to the bailiff service.
• Online through the site.

Of course, in any of these two cases (if debt is found), there will be an unpleasant conversation about how you will extinguish it. By the way, choosing the first option does not make much sense, because through the Internet you can find equivalent information in a matter of minutes.

Are you sure you don't have a loan?

No, forgetting about it is quite difficult. Therefore, such information most often interests employers and borrowers, as well as those who are worried about the machinations of fraudsters. Is it possible for you to get a loan without your knowledge? Yes, lately fraudsters have intensified and are using any loophole. If you lost documents at least once in your life, then there is a chance that they were used for such purposes. So how do you know if a loan is hanging on a person? You just need to make a request. The printed story will show all the movements that were made by you, or on your behalf.

How does it all start?

How is the database formed for borrowers? From the first day, when you come to apply for a loan, all the information is collected from you. Passport details, work experience, number of dependents. Now for many years, the credit bureau will keep data about each person who once took a loan. If you were a co-borrower or guarantor, you will not be an exception. And even if you did not take the money, but only made a request on this issue, this information will also be reflected here. As a result, it is enough to take a printout and make sure that your story is completely clean.

What does credit history give?

Is it possible to find out how much credit a person has? Yes, well, if you get access to this information. A good story is the key to lending at the bank, and at preferential terms. Therefore, if you plan to take a mortgage in the future, it is recommended to gradually increase the loyalty of the bank. To do this, take a small loan for new shoes, household appliances. Gradually, the bank will begin to offer the best conditions.

What is sanctified in history? First of all, loans. This also applies to what the person has already paid. Separately, you can get information on existing loans. Finally, you will see the dates of the appeal, as well as the waivers, if any.

I would like to immediately note that these data are not subject to correction, especially on their own. Since it is possible to find out if a person took a loan only with his consent, when a loan is issued, the bank will surely give him to sign an agreement agreement. If you refuse to sign it, even a bank employee is not allowed to look into this data. But will they approve the loan?

Credit history structure

This is a regular document that contains comprehensive information. That is, the surname, name and patronymic of the borrower and his passport data. Taxpayer Identifier and Insurance Number. Then follows the main part of the document, in which all the information about the money taken is recorded. The dates of all messages to credit organizations and banks' responses will also be listed there.

If an error is found

Unfortunately, it also happens. If you have requested a history and found invalid data in it, or maybe just a typo, you must contact to verify this data. Now the task of the operator will be to find out at what stage it was allowed. Perhaps you will be required to print from the bank where you made out a loan. The operator will verify the data and, on the basis of the statement, change them if they really did not correspond to reality.

Annual statement

Not everyone knows that there is a free service to inform the public about the status of credit history. Once a year you can get data for free. If you want to receive this information again in a few months, you will have to pay from 800 to 2000 rubles. And again I want to emphasize that it is impossible to find out the data about another person, even if this is your close relative. All information is strictly confidential and not subject to publicity.

Sberbank of Russia

Today it is the most popular among the population. Therefore, I would like to look at an example of how to find out if there are loans on a person in Sberbank. The privacy law also works here. That is, only the person who is authenticated can request information.

To make this request, the client must know the individual code. It is usually issued at the first appeal, but can be obtained later in any branch of the bank. But if there is no time, then you can fulfill this request online. The data may be in different offices, so first you need to know where to find them.

This can be done using the online service of the Central Bank. Here you enter the data in the questionnaire and after processing the data, the postal address will receive data. There are other ways to get data:

• Directly contact the bureau with a personal passport.
• Take advantage of the Internet. In this case, immediately indicate that you are interested in the history of loans taken in Sberbank.

Usually no problem at this stage can not be. The request is processed quickly, and after a few minutes you get all the necessary information. They can be presented as a certificate of absence of debts or for personal purposes.

Instead of conclusion

From the above, we can say that you will not be able to find out information about the credits of another person, unless you have his consent. However, it turns out that even if you do not have credits, you will never be able to check the data. This may be especially relevant if you have lost your documents or have stolen them from you. Fraudsters are not asleep, and may try to arrange a loan on you. Today, more than ever, vigilance must be maintained.

Corrupt credit history (CI) does not allow you to get a loan in large banking organizations. And - the reason for not going abroad. Not to get into a difficult situation helps awareness of problems with credit history. How to find out debts and loan history in a bank? Will bailiffs or the Bureau of Credit Histories help to solve the problem ?, is the answer in this material.

All methods of checking KI for free

There are opportunities to find out the current loan debts in a bank. The easiest is to contact the bank where the loan was taken. Information in this case is provided free of charge. Use the option will be the person who made out a loan in this particular bank. Outsiders will not be able to get an answer, except for filing a lawsuit (for example, the relatives of the deceased may find out the debts of the deceased) or other requirements of the responsible authorities.

Through the credit bureaus

The Credit Bureau (Credit History Bureau) provides information on the loan debt (size, date of issue, etc.), and credit history in general to banking organizations that have entered into an agreement with it.

Data is checked automatically. The third-party person must issue an official letter to the KI bureau, or send an online request through the organization’s official website indicating the e-mail address, phone number and passport information (first name, patronymic, last name, series and document number, date of issue, etc.).

Information on the amount of debt in the CII once a year is provided free of charge. Registration is required.

There are three credit bureaus:

• National - NCBI;
• United - OKA;
• Equifax.

You can contact the bureau in person, send an online request through the official website, or send a registered letter via mail. Information in each bureau is not always duplicated, therefore inconsistencies in the results of the audit are possible. For accuracy, it is recommended to send a request to all three bureaus.

Through the bailiff service

The bailiffs will provide information when judicial proceedings have been opened on the fact of non-payment of the debt that has been formed and a decision has been taken to recover it. Information about the debt in the bailiff service is available only to interested parties (the bank and the debtor). By law, outsiders cannot receive information.

Checking debts in the bank on the passport

You need to make a request to the bank branch where the loan was processed. If a person has several creditor banks, they will have to apply to each. Information is available to the client if he requests information on his own loan. The exception is official requests from government bodies. When applying to the bank to check the credit history of a citizen must provide their own passport. room loan agreement will speed up the verification process. This is a free procedure.

KI by name

To find out debts on loans in banks via the Internet by last name, it is enough to send an online request to an organization that is interested, that is, the bank where the loan was processed.

Some banks do not have a service that allows them to find out information about debts online. Resolving the issue is a personal visit to a bank branch and drawing up an application (the form will be provided on site) with a request to provide data on credit history. Remember that data is available upon presentation of a passport.

To learn a credit history without a passport only by last name is not possible in any way. Identity card is always required.

Check CI by card number

A credit card and connection to the Internet banking system (for example at Sberbank or VTB 24) allows you to find out free of charge debts and check history. Additionally, the service is provided on the official resource of public services - you can find out any debts, incl. under the current loan. Here registration is required, which implies the input of personal data.

Instructions on how to find out if there is a loan debt by loan agreement number

To use this method of checking the CI, you must apply to the branch of the creditor bank that issued the loan, or to the agent banks of the CII (Pochta Bank, Renaissance Credit, VTB, etc.) . Passport is required. The employee starts the verification process electronically, and full information is provided to the borrower. The speed of processing the request and issuing a response will be a few minutes.

Can you find out about the debts of a deceased person?

Heirs can check the CI and find out about the debt of the deceased debtor’s loan. For this they will need:

• applicant's passport;
• death certificate of a relative / guardian / testator;
• testament or court decision on inheritance.

Why check the dead relative's CI?

Interest, penalties and fines after the death of the borrower continue to accrue. Before accepting an inheritance, it is necessary to clarify what debts a deceased relative may exist in banks. At the moment when the notary will read the will, you can refuse the problem inheritance. The bailiff service will not be able to pay the debt if the heir refused to accept the inheritance.

First you need to decide on the question. You have an idle interest or your passport has been stolen. (at the very end of the answer I will give advice on how to control this)

If you lost your passport, then most likely they took credits for it, because for this they are being stolen.

The second case you lost your passport or compromised it (in simple language, you found a copy of your passport, if you left it somewhere, and we really leave a lot where they are left ....).

If you have your passport stolen or you have lost it, that is, the original is in the hands of the scammers, then they will try to take large credits to the bank branch.

If you have compromised a passport, then it will most likely be taken online to borrow up to 15,000.

What to do to this did not happen. Immediately after you discovered the loss of the report to the police, as far as I know this can be done through the portal of public services. And your passport will be marked as invalid in all bases. When fraudsters come to the bank or try to apply for a loan online, they will be refused everywhere, because the credit organization is obliged to check all passports on the basis of the Ministry of Internal Affairs.

If you have compromised your passport and took out a loan for it, it is becoming more and more difficult, you will not know about it until the first loan payment appears, usually within a month, when the first loan payment term comes. You will find the creditor and tell you the most pleasant news. But this can be challenged through the court, but the nerves will have to pat.

How not to get into this situation. Credit history every month as a paranoid ordering is not necessary. It is enough to subscribe to SMS notifications about changes in your credit history (by the way, this can be done on or). The first bell will be this: if the scammers under your name come to the bank, then the bank will of course first go to check your credit history, and you will immediately receive an SMS that someone has checked your credit history. If you have not submitted any applications for a loan, then you should already order a credit history and see who made the request (which bank or MFI) and already call them to find out on what basis they made this request. In the worst case (for example, online loans) you will receive an SMS message that you have opened a new credit account. But you will already have time in stock, and the sooner such issues are resolved the easier.

The topic is complicated, I don’t know whether it helped or not, but it’s not only Russian problem . This happens all over the world, therefore it is better to protect oneself and put oneself on monitoring the credit history.

I also apologize for spelling and punctuation, I did not write it for the sake of spelling ...