Russian citizens receive a credit rating, a score that is automatically calculated on the basis of the credit history. This was told in an interview with Rossiyskaya Gazeta by Nikolay Myasnikov, Acting Director General of the United Credit Bureau (OKB).
According to him, the creditworthiness will be influenced by the existence of arrears on the loan, the level of debt, the number of requests for verification of credit history and the start of it. Myasnikov noted that the higher the score for a Russian, "the lower the risk" to give him a loan. He explained that even a high score is no guarantee that the money is spent because the creditor takes the decision.
As noted by the "Rossiyskaya Gazeta", Russian citizens get a credit rating in 2019. Thereafter, changes will be made to the law on credit history.
According to Myasnikov, credit history can not only be formed by the issuance of the first loan, but even at the time of filing an application for it. Acting Director-General of the United Credit Bureau noted that any legal entity can get a credit history, but in general he is interested in banks and microfinance organizations. He noted that she is also interested in insurance companies. Employers can also check credit history when they send an employee to & # 39; materially responsible or managerial positions & # 39; take. "Problems in personal finances affect the productivity of labor and create fertile soil for fraud," – said Myasnikov.