The Credit History application offers the user two services:
1. Check the credit rating, the cost of 299 rubles.
2. Check the credit history of NBKI, the cost of 899 rubles;
Both reports can be useful when applying for a new loan.
The credit history of the NBKI contains the most detailed information on where, when you took loans, how you made payments, whether there were any delays.
The credit rating is essentially the same detailed report from the NBCH, only a shortened and more understandable for the user, it will clearly show why you are not given a loan, what is the likelihood of approval of a new loan.
Also, a user can find out his credit history once a year for free, it is necessary to find out where his credit history is stored, write an application to the CII and receive his credit history for free within 2 weeks by mail of the Russian Federation.
Banks recommend that people who use credit services often check their credit history 1-2 times a year.