Credit Score

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Credit score
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Four reasons to know your credit score

Credіt 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.

Credit score
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.

Credit score
Lenders often check a credit score, instead of a credit history

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 simplify and accelerate the procedure for making a decision on issuing a loan, lenders prefer to find out the borrower’s credit score, instead of analyzing credit history data independently.

Credit score
UBCH evaluation is trusted by the largest lenders in Ukraine

The model for calculating the credit score in the Ukrainian Bureau of Credit Histories is built on a database of more than 100 million loan agreements – the largest in Ukraine, which allowed for ensuring the maximum efficiency in predicting the borrower’s behavior, based on credit history data.

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Frequently Asked Questions

What is a credit score?

Credit score is a numerical evaluation of the credit history quality, which lenders rely on when deciding whether to issue a new loan. It reflects statistical probability of successful fulfillment of loan obligations in the future by the borrower, based on the information about their current loan debt, the frequency of applications for loans, types and amounts of loans taken, discipline of payments and other data from their credit history.

How can you find out your credit score?

You can view your credit score:

  • on the official website ubki.uа under “Personal — «Credit Score”;
  • in the «Credit History» mobile application;
  • in «Credit History» chatbots in Viber and Telegram;
  • in the Privat24 online banking service under «My accounts — Credit Score»;
  • in the Privat24 mobile application under «Services — Credit Score».
Why would a credit score be lowered?

More than 250 credit history factors influence the credit score. It can change both as a result of obvious events in the credit history (opening/closing a loan, occurrence/repayment of overdue arrears, applying for a loan, etc.), as well as due to less obvious reasons over time, arising from a particular event.

Some evident factors that can lower your credit score are:

  • recurrent applying for a loan,
  • opening a new loan or changing the credit limit, which increases the current loan debt,
  • late payments,
  • exceeding threshold values of the duration of the current overdue payment

etc.

You should check the credit history to understand the reason for lowering your credit score. Your credit history can be obtained free of charge, once per year. Activate the StatusControl service to regularly monitor your credit history and score.

How to increase the credit score?

The credit score value is calculated on the basis of the data that make up a credit history, so you can influence the credit score only indirectly, by generating a credit history.

To improve the assessment of credit history, it is reasonable:

  • first of all, to settle any overdue payments, if any (their presence is a factor that lowers evaluation of the credit history quality most of all);
  • minimize the number of simultaneously open agreements (full repayment and closing one or more current loans or credit card agreements, which you no longer use, will reduce the level of loan debt);
  • use loan products, making payments on them in a timely manner (getting a small short-term loan and repaying it without violating the payment schedule, will have a positive effect on evaluation of the credit history quality).
How can you calculate a credit score, if a person has not used loans?

A credit score is calculated on the basis of data in the borrower’s credit history, so in the absence of a credit history or an uninformative credit history, the credit score is not calculated. In such cases, lenders may take into account other available information about borrowers, and base their assessment on it.

What credit score is required to get a loan?

The higher the credit score, the higher a probability of loan approval. There is no obvious limit, since each lender determines their own credit score thresholds, depending on the type and conditions of lending.

The scale can be conditionally divided as follows:
0 – default, no lending is available;
0 – 250 points: very low score, it is very difficult to get a loan;
250 – 350 points: low score, lending is available only for small amounts, short terms and at high interest rates;
350 – 450 points: middle score, lending is possible, but you should not count on large amounts and favorable conditions;
450 – 550 points: high score, you can get a loan relatively quickly and comfortably;
550 – 700 points: very high score, large amounts and loyal lending conditions are available.

You can get a loan even with a low credit score.

In order to find lenders who are ready to issue credit to you, use the service of personal selection of loan programs, developed by the Ukrainian Bureau of Credit Histories. Given the status of your credit history, you will be shown offers with the highest probability of loan approval just for you.