Date: 5 months ago   Category: Finance

Will begin to assign to Russians in 2019 personal credit score — Rambler News Service


Photo: The Acting CEO of the Joint Credit Bureau (JCB) Nikolay Myasnikov in an interview to Rossiyskaya Gazeta has told PhotoXPress.ru about personal credit rating which to Russians will begin to be appropriated in 2019. "It is a certain point which is calculated automatically on the basis of different parameters from credit history: existence of delays, level of a debt load, number of requests for check of credit history, "age" of this history. Higher than a point — is lower risk" — Myasnikov has said. At the same time he has noted that the high point isn't a guarantee of issuance of credit. The Acting CEO of experimental design bureau has emphasized that the decision always remains for the creditor. Myasnikov has reminded that till July, 2014 the consent of the citizen to transfer of credit stories to bureau was required, however then legislative changes according to which banks and the microfinancial organizations (IFIs) have to transfer information on the clients at least to one bureau of credit histories without the consent of borrowers have been fixed. "By the way, actually credit history can be formed not only from the moment of delivery of the first credit, but also from the moment of filing of application on the credit or request of bank for check of the borrower in bureau" — Myasnikov has added. He has also noted that any legal person can receive credit history of the person (from his consent). At the same time, according to him, generally banks and IFI are interested in such "files". Besides, Myasnikov has said that employers are interested in credit stories. "Yes, they check credit stories of employees when hiring for the materially responsible or leading positions. Problems in personal finance influence labor productivity and create the fertile field for frauds" — he has told.

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