Credit history

Credit history
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Credit history
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Credit history
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Five reasons for knowing your credit history

Credit history
You have had loans before, and you need another one

Before applying for a new loan, check your credit history, in order to make sure that the information on already paid-off or open loans is accurate and up-to-date. This will prevent an unexpected rejection and save you time. Your credit history is provided free of charge, once per year.

Credit history
Your credit application has been declined

80% of the time a credit application is turned down due to a negative credit history. Sometimes the borrower is not even aware of existing problems in their credit history. It may be insignificant debts on an old credit card, which was overdue and increased, because of accrued penalties and fines, or fraudulent loans opened with lost or fake documents. If there has been a mistake, we will tell you how to fix it. Even if you had overdue payments in the past, you can always improve your credit history.

Credit history
You are concerned about credit fraud using your documents

Obtain a credit history to check all the loans in your name, and make sure there are no loans that you are not aware of. Activate credit history notifications in the Diya application or activate the StatusControl service, to receive notifications if someone tries to get a loan in your name, and be able to promptly prevent such attempts.
In order to further protect yourself from having new loans opened in your name, activate the FREEZE option (available as part of the StatusControl service).

Learn more »
Credit history
You want to check debts for all the loans that you have

If you are a very active borrower, and have a large number of open loans, check your credit history to monitor their status, and see all the debts in one place. It is reasonable to activate the StatusControl service, to have unlimited access to requests for your credit history and to receive notifications about any changes in it.

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Credit history
You have received a notification from the Diya application about requesting your credit history or obtaining a new loan

Check your credit history, to find out which lenders have requested your credit history and when they have done this, as well as to discover any loans opened in your name.
If your credit history has been requested, without you contacting the relevant lender:
– contact the lender as soon as possible, to find out the reason of the request and prevent a fraudulent loan,
– contact the bureau to dispute this request.

If you find a fraudulent loan in your credit history:
– dispute it in the bureau,
– contact the lender, with a statement that a loan in your name has been opened without your knowledge, and demand to conduct an internal investigation and have the loan agreement canceled,
– contact law enforcement authorities with a statement about a criminal offense perpetrated against you, particularly fraud, which consists in applying for a loan in your name,
– if the lender refuses to nullify the loan agreement, pursue litigation.

Keep your credit history under control!

Activate the StatusControl service and receive unlimited access to your credit history, credit score and the register of requests!

Learn more »

Frequently Asked Questions

What is a credit history and its purpose?

A credit history is the information about your loans and their repayment history, obtained by the bureau from banks, finance and leasing companies, credit unions and other financial institutions. The data about every loan is stored in a credit history for a period of 10 years after the borrower has paid-off a loan.

In addition to the actual information on loans, the credit history contains related information – identification data of the person, information about existing enforcement proceedings, in which the person appears as a debtor, a register of credit history requests by lenders and other organizations, information about the person’s documents registered as lost, comments, etc.

When applying for a loan, the lender obtains your credit history in order to:

  • check the availability of current and paid-off loans,
  • check debts for open loans,
  • check the availability of current overdue payments,
  • analyze the discipline of paying off loans in the past,
  • analyze the frequency of loan applications and the nature of loans,
  • check the related information about you.

This data allows the lender to assess the risks of granting a loan.

The presence of existing overdue payments, systematic failure to adhere to a payment schedule in the past, or simply a large number of currently open loans, indicates a high risk of default on a loan, and therefore may be the reason for rejection.

On the contrary, the presence of closed loans, paid-off without violations of a payment schedule, indicates that the borrower will most likely repay a new loan without any violations.

The absence of a credit history does not allow for drawing a conclusion about the reliability of the borrower, so the lender can only agree on a small loan amount or credit limit on the card.

Where can you check your credit history?
  • On the official website ubki.uа under “Personal – Credit history”;
  • in the «Credit History» mobile application for iOS and Android;
  • in “Credit History” chatbots in Viber and Telegram;
  • by sending a corresponding application, via regular mail, to the UBCH postal address;
  • in the Privat24 online banking service under “My accounts – Credit Score”;
  • in the Privat24 mobile application under “Menu – Credit Score”.
How to get a credit history in the mail?

Send your application to Ukrainian Bureau of Credit Histories Ltd, 49300, Dnipro, P.O. Box 7566.

Application Example

Your application must contain information that will enable the verification of your identity (last name, first name, middle name, passport details, identification code, legal address, residential address). The credit history is sent by registered mail to your postal address within two days of receiving the request. The letter is delivered and handed to the recipient in person, with signature required upon receipt. If there is no credit history, you receive a signed and stamped printed certificate.

What if I don’t agree with the information contained in my credit history?

You have the right to dispute the information contained in your credit history. The credit history can be corrected if the lender confirms that the disputed information is inaccurate. Otherwise, in your credit history you can include a comment of up to 100 words regarding the disputed information. You can submit a request to dispute your credit history with the Bureau following this link. To submit a request, please get authenticated on the website using your mobile phone.

How do I check my credit history that I have previously ordered?

All reports received previously can be found in Archive-Requests. To check please get authenticated on the website using your mobile phone.

How do I find out who requested my credit history?

This information is available in the credit history of the Register of Requests section. It states when and who checked your credit history.

How often does credit history data get updated?

Information in your credit history is updated according to the data update schedule of the Bureau’s partners (from weekly to monthly updates).

Why your credit history can be missing in the Unified Register of Credit Histories (URCH), but present in the Ukrainian Bureau of Credit Histories (UBCH)?

UBCH has the largest database of credit histories in Ukraine – more than 88 million. We cooperate with all major finance and credit institutions in the country, and with the most of microfinance organizations, and also use the data from open registries.

There are other bureaus of credit histories in the country, each with a unique list of credit reporting partners. It can usually be found on the website of the relevant bureau.

Several Ukrainian bureaus have teamed up in an association, and created the “Unified Register of Credit Histories”. UBCH is not a member of this association, so the data about you in the UBCH database will not be displayed, when checked in this registry.