Credit Score

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Explanation of factors that affect the score

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Four reasons to know your credit score

You can assess your chances of obtaining a loan

Find out how desirable you are as a borrower to the banks. The higher the credit score, the better your chances of obtaining a loan. Besides, clients with a high credit score can count on better terms.

You can increase your credit score

If you know the factors that influence the current value of your credit score, you can increase it. For example, having a large number of existing loans can lower your credit score, so try and reduce this number before making another application.

It is the borrower’s credit score that gets checked by the banks

A credit history, particularly that of an active borrower, can contain over 30 loans, which would take quite a bit of time for the bank personnel to analyze. To speed up the decision making process, banks request the borrower’s credit score from UBCH.

UBCH evaluation is trusted by the largest lenders in Ukraine

Ukrainian Bureau of Credit Histories’ model for calculating credit scores is based on the database of more than 88 million credit histories. This is the largest database in Ukraine. You can check your credit history once a year for free.

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Frequently Asked Questions

What is a credit score?

A credit score is a numerical evaluation based on your credit history. It assesses the current state of your credit history and indicates the likelihood of obtaining a new loan in the future.

How do I increase my credit score and improve my credit history?

A good credit history is built by actively using credit products and making timely repayments. The degree of influence of events on a credit history decreases as these events become older. That is, the impact of missed payments from the past will decrease over time, while a recent repayment of a loan will improve the current status of your credit history. Please note that having multiple existing loans can lower your current credit score. To improve your credit history, first of all, settle any overdue payments, if any, minimize the number of concurrent existing contracts, actively use credit products (preferably low cost short-term loans), while making timely repayments.

Why would a credit score be lowered?

There are over 10 factors that influence a credit score. A large number of requests for a credit history or a large number of existing loans can temporarily lower the score. To improve your credit history and to improve your credit score, first of all, settle any overdue payments, if any, minimize the number of concurrent existing contracts, actively use credit products, and most importantly, make timely repayments.