Business Blog Moscow Finance Agency

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In addition, this part of the credit history contains information about which of the banks and when treated asking about the borrower's credit bureau. A few words about how the information about the borrower enters into a credit history. By law, the bank transmits information about the borrower to at least one of the 27 credit bureaus exist in the Russia. To transmit information requires the consent of the borrower, which the bank usually asks for when signing a credit agreement. Granting of consent – is voluntary, the borrower may not give such consent, but remember that a positive credit history – almost a guarantee of obtaining further loans on more favorable terms and for longer periods. Recommendation of the Moscow financial agencies – such give consent.

In accordance with the law, the bank transmits information about the new borrower and all events for the already allocated to customers within 10 days from the date of the event. At the same time the credit bureaus by law have only 1 day to make the information received in the borrower's credit history. Thus, in practice, information about the changes that occurred on the borrower paid within 2-4 business days. Who can watch Credit history of the borrower, and what information from credit history available to banks? A full credit history of the borrower can get only the borrower, the court, the investigating authorities. Only those categories available information about who, when and how many times asked for information about the borrower, in which organizations had credit, and what organizations provide information about him to the credit bureau. The main part of their credit history, where provides information on loans and arrears, banks may request. Moreover, in accordance with law, to receive this data also requires the consent of the borrower.

You should know that credit history does not contain information on failures of banks in providing loans: to the credit bureau data are recorded only on loan agreement or credit. How do I get my credit history? We remind you that in terms of formal definitions Credit history can not be obtained, we can only get a credit report. Information on a borrower may be stored in more than one credit bureau, since different banks have the right to "merge" the information in different organizations. The standard way is: should contact the credit bureau where you prompt, in what office to store information about you, and advise the quickest way to obtain a credit report. Moscow financial agency Business Blog Moscow Finance Agency

Russian Banking

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In these respects, lies a paradox, to which attention should be paid. At first glance, banking services – a market for conservative avoid the risk of people as the main message of this business – 'save'. On the other hand, the reputation of the Russian banking system makes the depositors at the least an alarm to queue at branches banks to have enough time to withdraw their money. Hence, one of the roles of banking is risk. But the risk – the lot of innovators and drivers of the set of markets, enjoy the use of all of the unknown risky.

Thus, to understand the market structure and clearly define its basic part – a task for an individual decision because the value of bets on Innovators and the Conservatives should be considered separately for each financial product. Accordingly, the consumer may be psycho to become the third plane in the right system, the segmentation of the financial market, complementing its psychographic component. Indeed, even the word 'Reliability' sounds totally different from the standpoint of innovators and conservatives, meaning the first reputation as a partner, and for the second – the safety of money. 'OUR CUSTOMER' in the practice of mobile operators have several approaches to calculate the number of subscribers. One of them, the most popular and at the same time most controversial, is based on counting the total number of sold sim-cards. According to the results of these calculations, the number of cellular subscribers in Russia has long exceeded the 200 million people, moreover, that the total population barely exceeds 142 million.