How to make a positive credit history. Credit Cards How to get a good credit history

When deciding on the issuance of credit funds, any bank seeks to protect itself from unwanted risks. Therefore, the natural desire of the bank is understandable, first of all, to get acquainted with the credit history of a potential borrower before issuing a loan to him.

But what to do and how to make a credit history if it is not given, or if the borrower applies to the bank for a loan for the first time, and, accordingly, he has not yet managed to acquire any credit history, either positive or negative?

In what cases can a credit history be a decisive indicator?

The main thing that the bank seeks to find out with the help of a credit history is your solvency and reliability as a borrower.

In some cases, for example, when you are a payroll client of a bank, a credit history may not be needed at all, because your solvency is obvious to the bank, but when it becomes difficult to confirm solvency, in this case, just having a positive credit history.

It will serve as confirmation of your reputation as a borrower. And although the lack of a credit history will have a greater impact not on the fact of obtaining a loan, but rather on the conditions of this loan, but for students or individuals working without official registration, the presence of a credit history will be a very desirable indicator.

Even without a credit history, you can take a loan from a bank and, most likely, the probability of obtaining a loan will be inversely related to how good the loan conditions are.

The fact is that banks that offer loans on really good terms experience an overabundance of customers and, accordingly, may refuse those of them who cause the slightest suspicion.

Naturally, a person with unconfirmed solvency is almost 100% likely to fall into this category. What to do if there is a need for a loan, and the loan is planned for a long-term and large amount, for example, a mortgage?

Our answer is to build a positive credit history from scratch. There are many tools for this.

How to make a credit history positive if they do not give a loan? For example, you can take out a loan for a small amount and for a short period of time, or even several of these small loans and repay them on time, without allowing a single delay in payments. It is even better to pay off such loans ahead of schedule. The easiest of all, which are very numerous on the market and which do not require practically any documents from the borrower, except for a passport.

You can even apply for such a loan online, on the website of a microfinance organization and receive money on a bank card. Keep in mind that u can even reach 2-2.5% per day. Therefore, it is highly advisable not to delay the return of borrowed funds, the sooner you repay the loan, the less it will cost you.

Important: before taking money from an MFI, ask if this MFI submits information to the Credit Bureau, because we only need one thing from this loan: that information about the debt you repaid on time remains in the BKI.

Many commercial banks also offer small student loans. For example, Sovcombank offers a loan from 5,000 rubles at 12% per annum for a period of 7 months. Other banks have similar offers.

In addition, you can apply for any consumer loan and pay it off on time. Consumer loans are usually issued in relatively small amounts, so it will not be difficult for you to return the money on time or even ahead of schedule. In addition, the term of a consumer loan is usually also short and may initially be only a few months.

You can also apply for a credit card. It is best to issue it in the bank where you expect to take a mortgage loan. Most have a grace period (about 50 days on average), if you return the money during this period, you will not be charged any interest. Thus, you will not even take credit funds. By using a credit card and transferring the spent money to it on time, you form a positive credit history for yourself almost free of charge.

It is important to follow certain rules, for example:

• You should not spend credit funds in excess of a certain limit, which is no more than 30% of the amount of the credit limit.
• It is not possible to withdraw money from the card into cash. You can use your credit card as a payment instrument in shops, gas stations and other similar places. These steps often bring additional bonuses to the cardholder in the form of a refund of a percentage of the purchase (cash back) or discounts in partner stores of the bank.
• The refund of the money spent must be made strictly before the end of the grace period.

As you can see, there are many ways, without incurring large expenses, to form a positive credit history for yourself in a short time.

What actions will not lead you to success in building a credit history?

The most important thing for you to learn is not to panic. When dealing with financial institutions, it is very important to maintain restraint. If a borrower starts to rush about and applies for a loan to several banks at the same time, this is a negative practice that will only lead to the fact that all applications to various credit organizations will become available to all banks within a short period of time.

Each appeal to the credit bureau is recorded and, accordingly, if there are many such appeals at once, this will raise many questions. This behavior of the borrower will look like he is in desperate need of money and, therefore, this is a very high-risk client for a credit institution. By such actions, you will only form a negative credit history, even if you have never taken a loan. Banks may consider such actions as fraud.

It is important that if you take out several loans to build a credit history, you must do it consistently. First you need to close the first loan, and only after that apply for the next one.

At the same time, you can apply for one cash loan plus a credit card, this will not lead to negative consequences. But count on your strength to pay off monthly payments. If you fail to cope with timely repayment, it will devalue all your efforts, on the contrary: the credit history will be damaged, and fixing it is immeasurably more difficult than creating a new one from scratch.

Advertising teasers with a call to take a loan without any problems divorced immeasurably. Each bank diligently emphasizes the availability of money for the first comer. However, in practice, some selectivity in the approval of applications can be observed. Some loan products will not be provided by anyone in the absence of a history of using borrowed funds.

Most banks offer more favorable terms for obtaining borrowed funds to those who already have a positive credit history and are able to handle debt obligations.

In a number of financial institutions, borrowing experience is a prerequisite for obtaining certain loan products, for example, large long-term consumer loans.

How to get your own dossier in the Credit Bureau, which will show all banks your integrity and reliability?

Credit history from scratch

Going to the bank for the first time and immediately for a mortgage is not entirely advisable.

Having studied you and your solvency, even if they are ideal, the bank will want to understand how much you can be trusted.

How can you find out if you have never borrowed and do not know how to handle debt obligations? The best way to win over a potential lender and get a large amount on favorable terms is to create your own positive credit history.

The most affordable loan products that you can take when you first meet the bank:

• Express cash loans;
• Commodity credits directly in the store;
• Credit limit cards;
• Consumer non-purpose loans.

The easiest way is to take a loan for goods or pay for any services in installments as your first loan.

It is important that such an opportunity is provided not by the trade and service organization itself, but by the partner bank, then a dossier will definitely be created on you and sent to the CBI.

It is very easy to issue such a loan, you just need to come to the store with a passport and buy the right thing, and then quickly - within 3-10 months - pay for it, taking into account interest, commissions and fees for using borrowed funds.

So you will become the owner of the necessary product, and most importantly, you will earn the first "plus" in the karma of the ideal borrower.

Of course, one such small plus is not enough to acquire the image of an excellent client, and it is quite possible that several such small commodity loans, repaid in a timely manner, will be required.

It's just as easy to get a card with a credit limit.

The stock of money on the card is renewable and this will allow you to repeatedly spend the bank's funds during the entire validity of the card.

That's just 2-3 years you have to wait for a positive entry in the dossier, because the card is issued for this period and a mark in the credit history will appear only after the end of its use.

The first experience of borrowing will open doors for you to other banking products and you will be able to take cash loans to implement any of your plans.

Choose short-term loans for a small amount, so that even with problems with the level of income, you can not spoil your relationship with the bank and repay the debt without delay.

When taking the first step towards an ideal relationship with the bank, you should not rush - you will have to pay dearly for speed.

All express loans, quick loans and instant issue cards are much more expensive to maintain than standard products.

Spend more time studying the parameters of borrowing and the terms of the loan agreement, so as not to violate any dogmas and rules.

Then your positive credit history will not be overshadowed by unpleasant surprises and all banks will be glad to see you among the customers who claim loyalty and profitable deals.

You will need

• - loan agreement;
• - schedule of monthly payments;
• - a request for obtaining a credit history in the BCI;
• - A certificate from the bank on the absence of debt.

Instruction

A good credit history is the main factor taken into account by the bank when analyzing a potential borrower. To obtain it, you must fulfill your credit obligations in good faith and on time. According to the current norms of the Central Bank of the Russian Federation, a loan with a violation of the payment schedule for more than 30 days is recognized as bad. But overly conscientious borrowers who fulfill their obligations ahead of schedule are also not happy with banks, because. they deprive them of part of the profits.

Why is a good credit history necessary? Most importantly, it significantly increases the approval of loan applications. Also, for bona fide customers, banks offer more favorable lending conditions and more substantial amounts. Having a good credit history reduces the time for consideration of applications and reduces the requested package of documents.

The best way to build a good credit history is to avoid loan delinquencies. To do this, before obtaining a loan, you need to analyze your financial capabilities. Try not to take loans for which monthly payments will exceed 20-40% of monthly earnings. This is considered a painless credit threshold and serves as proof that you can handle securing a loan.

Each person may experience financial difficulties, due to which he will not be able to properly fulfill his loan obligations. The reasons can be varied - this is the loss of a job, illness, etc. The worst decision that a borrower can make is not to pay and hide from the bank. This will not bring anything good, except for fines and penalties, and will create huge difficulties in obtaining a loan in the future. The best option is to contact the bank in order to restructure the loan or refinance it. During restructuring, the bank may increase the loan term, which will reduce monthly payments. Refinancing involves obtaining a loan on more favorable terms. This will allow conscientiously fulfill their obligations due to the reduction of the credit burden. In some banks, you can get credit holidays and defer payments for a while.

Read the loan agreement carefully. Sometimes a client can go into negative territory due to insurance or loan commissions that he did not take into account when making monthly payments.

Try to keep track of your credit history, which, by law, can be obtained free of charge once a year. To do this, you can contact the BKI with a passport and an appropriate application or send a request by mail. Borrowers can also send

The terms of service and basic rates of the most popular products are shown in the table below.

Some debit cards can be ordered online. These include payment cards: "Big Bonus", "Custom design", instant issue cards VISA, master card, WORLD etc.

Get a Sberbank debit card

To submit an online application, the client is required to indicate only the basic details that must be placed on the plastic, as well as passport data. When issuing special debit cards, for example, Youth or pension, you should additionally confirm belonging to a certain category of customers for whom they are intended.

How to get a Sberbank debit card

To get it, just follow a few simple steps:

• choose the appropriate option, for which you need to specify the parameters of interest to the user;
• carefully review the conditions of manufacture and subsequent maintenance;
• if you agree with the established tariffs and prices, you should proceed to the online application form;
• further, it is required to provide the information of interest to the program, be sure to indicate the method of communication with the client.

Recipients of pensions prefer the MIR Pension Card from Sberbank. Young people 14 years of age and older draw up a Youth Card, for which you can make your own design. For connoisseurs of the service and those wishing to participate in various programs and promotions, gold and premium plastics are issued from the largest financial institution in the country.

To start a credit history, if one does not yet exist, it would seem that it is enough to take any available loan. However, in reality, things may not be so simple. A new borrower for a bank is akin to a new employee for an employer, without relevant experience behind him. Financial institutions are also wary of people who have never taken a loan, and this fact can provide the borrower with a lot of trouble.

A good credit history is a completely different matter, it can help save on interest on future loans, since it is on the basis of it that the interest rate will be calculated. The more repaid loans without delinquency, the more understandable and interesting for the bank such a client is from the point of view of payment discipline. However, at present, your credit history may be of interest not only to banks, other organizations are becoming more and more interested in it.

Who has access to borrower information

1. Actually, story owner. To meet the subject, it is necessary to draw up an appropriate request.
2. Judge conducting the criminal case, and preliminary investigation authorities. In the second case, a prosecutor's request is required.
3. History Users. This is the name of the persons and organizations to which the subject of the credit history has signed permission to study all the necessary papers.

The most frequent user of a credit history is a bank, but today potential employers are also interested in it. After all, loans paid on time are an excellent indicator of responsibility, and the absence of delays is an indicator of the organization and financial literacy of a future team member.

Why does a bank need a credit history of a future client

Nevertheless, bank officials understand that issuing loans to absolutely everyone is a risky business. Indeed, among potential borrowers there may be insolvent persons, unreliable payers, financially illiterate people who can cause serious losses. And here it comes into play - credit history.

Of course, at the stage of checking credit information, those who already have a negative experience of cooperation with banks and microfinance organizations are eliminated. But credit history is often a stumbling block for those who have never borrowed at all before. However, there is nothing surprising in this.

In an effort to protect itself from possible problems, the bank considers the lack of credit experience as a negative factor. After all, he simply has nothing to build an idea of ​​the financial discipline of a potential borrower. Therefore, there can be no talk of attractive lending conditions. And if a person also experiences difficulties in confirming his income, for example, if he works unofficially, then the loan officers have no choice but to shrug and refuse to issue cash.

The main ways to build a credit history

So, it turns out a vicious circle: a person cannot get a loan due to the lack of previously issued and paid loans. The idea of ​​acquiring, say, real estate by taking out a mortgage has to be constantly put off. As, however, and the thought of any other large loan.

But do not despair, there are several simple ways to create a credit history without much effort:

• Take a cash loan from a microfinance organization;
• Get a loan in a store, for example, when buying household appliances or electronics;
• with a grace period of use;
• Issue a non-target consumer;
• Apply for a secured loan;
• Take advantage of special offers of some banks.

Ideally, you need to collect as many of these small examples of financial responsibility as possible, especially at the beginning of your cooperation with the bank. It is very important to think about how to make a positive characteristic in the BCI. After all, the credit history is updated every 15 years.

Credit for goods in the store

Buying goods in installments is an ideal option for starting a credit history. Maybe you have looked after yourself a new computer, some clothes or shoes - it doesn’t matter. It is important that the installment or loan service is provided not by the store itself, but by its partner bank. Only in this case, the buyer-borrower can be congratulated on opening a credit history.

Getting a loan for a thing in a store is simple: the main thing is not to forget your passport. You can pay it quickly: usually stores give installments from three months. One way or another, it is unlikely that the payment will take more than a year, even with all the fees, commissions and interest.

Cash in microfinance organizations

This option is good for those who, for some other reason, cannot get their first loan in another way. After all, microfinance organizations give out money faster than banks and even to people with a bad credit history. So there shouldn't be any problems here. However, the choice of a company must be approached with all seriousness. First of all, you need to make sure that she transmits information to the BKI.

Before signing the contract, it must be carefully studied. Payment terms, interest and other obligations - it is important not to miss anything. Microfinance organizations give money at 2-2.5 percent per day, therefore, in order not to delay the payment, you must carefully calculate your finances when applying for a loan. Delays in payments will cost not only a damaged credit history, but also large additional interest.

The best option is when monthly payments do not go beyond 40% of monthly income. This will allow you to pay on time and without effort. After the final payment, it is better to take a certificate of absence of debt from the organization.

Credit card

Getting a credit card is the easiest and most practical way to spend money. It is open to almost everyone. The mechanism of the card is as follows:

• the client spends a certain amount;
• if the return of the spent funds is carried out within the grace period indicated by the bank, the balance will be updated, becoming the same, and the borrower is exempt from paying interest;
• credit history is open without any hassle.

Ideally, it is better to issue such a card in the bank where the loan is planned. In this case, it is also possible to receive some additional bonuses from the financial institution or its partners. Nevertheless, when using the card, it is important to remember the specifics of its action and be guided by simple rules:

1. Do not use more than 30-50% of the funds offered by the card.
2. Spend money only by bank transfer, since cashing out is usually subject to an additional rather large commission.
3. Return what was spent on time.

Compliance with these rules will increase the bank's credibility. An obvious indicator would be a gradual increase in the card limit.

Making a consumer loan

This option is suitable for those for whom a positive credit history is most important. For example, if a mortgage or other large loan is planned. Having created a small positive history of repayment of loans, you can count on a full-fledged loan.

It is not at all necessary to subscribe to bondage and torture yourself for several years by paying unbearable payments. It can be a small amount, issued, say, for a year. Another thing is important: make accurate payments every month, avoiding delays.

When forming a credit history, it must be remembered that the BKI takes into account the so-called degree of delay in payments. A gross violation is an absolute non-payment, that is, when not a single payment has been received on the bank account. Violation of medium severity - multiple delay in payment for up to 35 days. At the same time, a person has no cause for concern if a single delay of up to 5 days has been made for the entire loan period.

Loan with collateral

An equally effective way that allows the bank to literally “close its eyes” to the lack of a lending history is to acquire guarantors or offer any real estate, whether it be a car, an apartment or a summer house, against the security of issued cash.

The risk of a financial institution in this case is significantly reduced, and most banks will be ready to meet you. The main rule is to carefully observe the terms of redemption, then the object of the pledge will remain inviolable, and your history will improve significantly.

Participation in special banking programs

In order to enter the position of newly minted clients, banks often launch additional lending programs designed for "newbies" in the credit issue. Unlike a consumer loan, the probability of refusal here practically tends to zero, and the entire lending program is built in such a way that the client gradually earns “positive karma” for himself.

So, for starters, an insignificant amount is issued in the range of 3-10 thousand rubles. If the loan was repaid on time, the credit limit increases, and so on. A similar program exists, for example, in .

At the same time, this method will help not only to start the credit history without hindrance, but also to correct the existing one if it has been spoiled.

Using this offer, the borrower will be able to apply to any other financial institution without any problems and get a more substantial loan.

Novice borrowers often do not think about the fact that their behavior may affect the bank's attitude towards them. Below are some cautions and tips to help build a positive credit history:

1. Take your time, start small. You should not apply to a large number of banks at once, because the BCI puts a mark on each request for a credit history. A large number of checks can repel a potential lender - he will decide that the owner of a credit history has financial problems.
2. Be consistent. In addition, there is an opinion that it is possible to take a new loan only after the final payment of the old one. Such behavior will protect the borrower from the debt hole and damaged credit history.
3. Don't give in to temptations. Also, do not agree to dubious offers to create or rewrite a credit history. Fraudsters can only put an end to a person's ability to get a loan anywhere at all. Banks simply stop considering the applications of those who were engaged in fraud with an artificial improvement in the credit past.
4. Be careful about your credit history. In order to avoid misunderstandings, it is considered optimal to observe your CI and update it. Moreover, once a year, everyone can receive an extract on her condition free of charge, following what information is entered in the bureau's file cabinet. To receive it, you can leave an online application on the website of the Central Bank of the Russian Federation or send a request to the BKI by mail. You can also write an application by arriving there in person with a passport.

A careful attitude to finances and attentiveness to one's credit history are factors that allow borrowers to rely on the opportunity to use the newest and most interesting loan products with the lowest possible interest rates.