Risk minimizing instruments available to everyone
  • Reputation assurance for your company

  • Checks of counterparties based on information from open sources

  • Checks of property, history of arrests or restrictions

Innovative solutions to manage risks
  • The largest credit history database

  • Aggregation of data from public sources

  • High-tech services to counteract fraud

  • A large array of scoring models

  • Individual approach, preferential rate

Working with us is the best decision for your business!
  • Comprehensive checks of your clients, partners, counterparties

  • Highly effective tools to counteract fraud

  • Automated models of risk assessment

  • Flexible rates

  • Access to information online 24/7 in the format of your choice

Services without a contract
Services for partners
Terms and conditions of collaboration
Rates
Public Dossier
Public Dossier

Information about a legal entity obtained from public sources.

The report costs 25 UAH.

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Credit history of your company
Credit history of your company

Information about previous and current loans to your company and patterns of repayments.

The service costs 100 UAH

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Credit history check
Сredit report
Сredit report
Information about an individual’s previous and current loans and their repayment history.
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Credit Score
Credit Score
Assessment of default probability based on the borrower’s credit history.
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Borrower Monitoring
Borrower Monitoring
Notifications about changes in variables in the borrower’s credit history.
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Credit report of a legal entity
Credit report of a legal entity
Information about a legal entity’s previous and current loans and their repayment history.
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MFI scoring
MFI scoring
Assessment of the probability of late payments on a short-term loan from a microfinance institution.
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Counterparty Monitoring
Counterparty Monitoring
Monitoring changes in the registration status of a VAT taxpayer in the State Register.
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Contacts
Contacts
Contact details of an individual
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Customized predictive analytics solutions
Scoring based on the borrower’s geographic location
Scoring based on the borrower’s geographic location
Assessment of default probability based on the borrower’s residential address.
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Application Scoring
Application Scoring
Assessment of default probability based on the borrower’s application data.
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Scoring for legal entities
Scoring for legal entities
Assessment of default probability based on the details of court decisions related to the borrower.
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Individual scoring
Individual scoring
Highly specialized scoring models individually suited to your requirements.
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Verifications and protection from fraud
UBCH Anti-Fraud System
UBCH Anti-Fraud System
An automated system that prevents operational risks and is based on the aggregate data from credit applications of all service participants.
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Photo Verification
Photo Verification
Verification of identity based on a photo.
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BankID
BankID
A service of online verification of clients on your resource through either Ukrainian banks, an e-signature or an ID card
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Telecom Report
Telecom Report
Mobile phone credit history. Assessment of a borrower based on the phone number reference in the UBCH database.
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Verification
Verification
Checking the consistency of customer data
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Identification
Identification
Data for identification of the client and verification of their phone number.
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Identification of the borrower by passport
Identification of the borrower by passport
Checking if the passport information on the loan application matches the passport information on the borrower's credit history.
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Public registers
Entrepreneur Dossier
Entrepreneur Dossier
Information about an individual-entrepreneur obtained from public sources.
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Public Dossier
Public Dossier
Information about a legal entity obtained from public sources.
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Identity card check
Identity card check
Information about the availability of identity cards in the invalidity lists.
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Information from the State Register of Movable Property Encumbrance
Information from the State Register of Movable Property Encumbrance
Information on available encumbrances and on a certain encumbrance of movable property by the subject
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Information from the State Register of Real Rights
Information from the State Register of Real Rights
Information on a person's existing real rights to immovable property and details on each real estate object
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Collection services
Skip Tracing
Skip Tracing
Broad search for debtors’ contact information.
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Disciplinary Letters
Disciplinary Letters
Opportunity to engage with debtors via letters on behalf of the Bureau.
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Public agreement
How to activate

By signing a one-off Agreement-Application to join the Public Agreement, you receive legal access to all of the Bureau’s products.

Your actions:

  1. Complete the Joining Agreement-Application to Information Services Terms and Conditions:

    • complete the details;

    • appoint a Company Administrator;

    • select type of payment;

  2. Complete the Questionnaire;

  3. Print out two copies of both the Agreement-Application and the Questionnaire;

  4. Send the copies of these documents signed on your part to the UBCH postal address.

Operating the UBCH database
  1. >After the Agreement-Application has been signed, the appointed Administrator will receive a login and password to get authenticated on the UBCH database.
  2. The Administrator will then register other users from their organization.
Requests for Reports:
  • in a web browser  After having been authenticated on the UBCH website (www.ubki.ua)
  • through a web service which returns the report as an XML-file Automatic interaction through the XML interface This method of reporting enables automated processing of requests and provides reports in the format of your choice
Transferring credit histories to the Bureau:
  • as an XML file formatted as described in the data transfer specifications. UBKI FILE SENDER is an out of the box solution for converting to UBCH’s XML or DBF files, as well as for converting data from CU-Program version 3.1.1.12 or newer.
  • manual input in a web browser. After having been authenticated on the UBCH website (www.ubki.ua) navigate to Data Transfer – Manual Input in the Menu. This service is suitable for a small number of provided credit transactions or during the period of adaptation of your software to the Bureau’s services.
Legal framework

The key legislative acts that govern relations of the bureau of credit histories are:

Prerequisites for your cooperation with the Bureau:

  1. The Users / Partners of the Bureau can be any business entities, when there is the intention is to enter into a transaction involving monetary obligations of the parties or there are present existing transactions for which monetary obligations have arisen for one of the parties;

  2. A Partner can only provide information to and obtain information from the Bureau, if the Partner has the consent of the subject of the credit history. The subject of a credit history can be any legal entity or an individual that is a party to a transaction or has an intention to conclude a transaction.

Special attention should be paid to the issues of legalizing consent of the subject of a credit history when processing personal data of individuals! Consent of the subject of a credit history (individuals and legal entities) to provide information about their credit history to the Bureau and give access to it can be included in various types of documents. Our recommended suggestions:

* – Consent of a legal entity or an individual in the web format must be personalized by the subject with an electronic signature, with the obligatory identification of the subject through the BankID service, ACKC EDS (Accredited Centre of Key Certification E-Signature), ID card, means of reconciliation of data of the Bureau or other methods of proving identity, including confirmation by the appropriate protocol.

Partners rates

We work online 24/7 with no subscription fees! The more information you provide to the Bureau, the better your rate will be.

The base cost is the cost of “Credit report of an individual/entrepreneur”, with a maximum of 15.19 UAH, including VAT, which includes the following:

  • Identification part,
  • Loans Information part,
  • Requests Register part.

Credit report of an individual/entrepreneur” Plan:

where:

OUT  is the amount of the tariffed reports, provided to the User during the previous month, excluding any repeated requests for the same client within the same day;

IN  is the amount of the credit transactions, on which the information was provided to the Bureau during the previous month, as well as amount of legal entities or individuals, for which other analytical and statistical information was provided.

1,5 * IN — if transactional transfer is chosen, then the multiplier 1.5 is applied to the IN value, provided that the volume of the transactional transfer is higher than or equals 80% of the whole transfer volume.

Rates for partners, who transfer credit histories to the Bureau for other services:

Bureau’s rates for the partners, who do not transfer credit histories to the Bureau (unilateral partnership):