The database of the Bureau’s credit histories contains the data about more than 25 million subjects of credit histories. More than 550 organizations upload information to it. Thus, the Bureau generates the register of credit histories, containing the up-to-date information about borrowers and debtors of the majority of Ukrainian lenders.
Analysis of the subject’s credit history is the most effective decision-making tool for assessing financial risks, when it comes to lending or other interactions with persons.
The information about previous and current credit obligations, discipline of their fulfillment, frequency and nature of loan applications, allows for generating the borrower’s profile and predicting their behavior when obtaining a new loan.
Supplementing the data from the register of credit histories, with the information from public sources – particularly with the data about executed business activities, bankruptcy status, data from the unified registry of debtors, register of enforcement proceedings and other registers – allows for extending the subject’s profile and taking into account additional factors that may significantly improve the quality of risk assessment.
Verification of documents against registers of canceled/stolen/lost documents, allows for preventing fraud, committed with the use of lost (stolen) documents.