What information is enclosed in the credit report? It can be different information, allowing, firstly, to identify uniquely a person, and secondly, to trace his past as a borrower step by step. Each credit report of a person or entity consists of three parts: title, principal and supplementary (closed). The first includes (for citizens): name, surname, date and place of birth, passport number, taxpayer identification number (TIN) and the number of individual account specified in the certificate of the state pension insurance (if the last two numbers were given).
The main part of the credit report of a man contains his personal data, not included in the title part, namely: the address (an indication of registration and the actual place of residence) and information about state registration of a person as an individual entrepreneur (if he is); and, of course, information about the borrower’s obligations – for each record of the credit report that is for each obtained loan:
• The amount of liabilities at the date of the loan agreement, that is, the original amount of debt to the bank;
• The term of performance of the obligation – repayment of the loan – in full size;
• The term of payment of interests;
• Changes and (or) additions to the loan agreement, including those relating to the terms of performance of obligations;
• The date and amount of the actual performance of the obligations in full or partial amount;
• Repayment of the loan by ensuring that if the borrower has not fulfilled his obligations under the contract (for example, in the case of a mortgage loan – the sale of the apartment that was in the pledge);
• Factual adjudication of disputes under the contract of loan and the content of the operative part of judgments, entered into force, except information that is included in the additional (closed) part of the credit report.
The main part may also include other information received officially from the government. An additional part of the credit report contains information about the sources of formation and users of the credit report, that is about all the banks and organizations that have ever provided credits to a particular borrower, and (or) requested credit reports in the bureau.
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