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Date: 4 weeks ago   Category: Finances

Russians will have personal credit ratings?

Is supposed, to lend what with their help to banks will be simpler to be solved to the person money or not, and people will understand clearly as they look in the opinion of creditors of the Photo: Kirill Kukhmar / TASS From next year will assign to Russians personal credit score. The acting as the CEO of the Joint credit bureau Nikolay Myasnikov has told about it in an interview to Rossiyskaya Gazeta. As Myasnikov has explained, the point will be automatically counted. Will begin to consider existence of delays, level of a debt load, the number of requests for check of credit history, age of this history. The it is higher than a point, the lower not to obtain risk the credit. According to him, today credit history if it extensive, seems to people very unclear. What will the credit rating mean for borrowers and for banks? This question was answered by the CEO of League of protection of debtors on the credits Sergey Krylov: Sergey Krylov the CEO of League of protection of debtors on the credits "For the borrower is just next indicator. I think, he won't affect neither discipline of the borrower in any way, nor on his desire to pay the overdue credits if he had them earlier. Most of borrowers lives by the principle "what not to try to take if give — well if isn't present — I will wait when give", aren't able to use these ratings. It for very limited number of persons, for those who take money in a private order for business. When the bank checks the potential borrower, he makes requests through open sources about presence of property at him. Can make request, for example, in the Pension fund to obtain data on savings. All this shows solvency and a property status, from there is a rating. In addition also his credit history can join. It is very important because from one borrower we see a certain territorial position of borrowers in a certain territory — the city of Moscow. It allows the creditor to regulate a rate correctly. Considering bad recoverability, the credit rate can grow". The consent of the borrower to transfer of credit history to the relevant bureau was required till 2014. Then the amendments obliging banks and the microfinancial organizations were published in the law to transfer information on the clients at least to one bureau of credit histories without the consent of borrowers. From his consent any legal entity can receive credit history of the person. For banks identical rating points at different borrowers, perhaps, will have different value depending on a concrete situation of the borrower. The reasons for refusal there can be a set, the director of National association of the professional collection agencies Boris Voronin:boris Voronin the director of National association of the professional collection agencies "First assumes, it is a lack of income, too large number of the taken obligations, maybe, uncertainty of bank that you keep the salary. For example, the person works personal the driver



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