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.

Learn more »
Code: 
Order it
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

Learn more »
Credit history check
Credit report of an individual
Credit report of an individual
Information about an individual’s previous and current loans and their repayment history.
Learn more »
Credit Score
Credit Score
Assessment of default probability based on the borrower’s credit history.
Learn more »
Monitoring of an individual
Monitoring of an individual
Notifications about changes in variables in the borrower’s credit history.
Learn more »
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.
Learn more »
MFI score
MFI score
Assessment of the probability of late payments on a short-term loan from a microfinance institution.
Learn more »
Monitoring of a legal entity
Monitoring of a legal entity
Monitoring changes in the registration status of a VAT taxpayer in the State Register.
Learn more »
Contacts
Contacts
Contact details of an individual.
Learn more »
Customized predictive analytics solutions
Score based on the borrower’s geographic location
Score based on the borrower’s geographic location
Assessment of default probability based on the borrower’s residential address.
Learn more »
Application Score
Application Score
Assessment of default probability based on the borrower’s application data.
Learn more »
SME Score
SME Score
Assessment of the probability of default by a legal entity, based on the data from open sources and the credit history.
Learn more »
Individual entrepreneur scoring
Individual entrepreneur scoring
Assessment of the probability of default by an individual entrepreneur, based on the data from open sources and credit history.
Learn more »
Customized score
Customized score
Highly specialized scoring models individually suited to your requirements.
Learn more »
Transaction Underwriting Score
Transaction Underwriting Score
A credit score, at the card level, predicts the likelihood of falling in arrears.
Learn more »
Benchmarking
Benchmarking
Reports allow you to assess the dynamics of the credit market, and the position of your organization on it.
Learn more »
Feature Set
Feature Set
A report, with a set of numerical indicators (features), for an individual or legal entity at the current moment or as of a specific historical date.
Learn more »
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.
Learn more »
Photo Verification
Photo Verification
Verification of identity based on a photo.
Learn more »
Telecom Report
Telecom Report
Mobile phone credit history. Assessment of a borrower based on the phone number reference in the UBCH database.
Learn more »
Verification
Verification
Checking the consistency of customer data.
Learn more »
Identification
Identification
Data for identification of the client and verification of their phone number.
Learn more »
Identification by passport
Identification by passport
Checking if the passport information on the loan application matches the passport information on the borrower's credit history.
Learn more »
Liveness detection
Liveness detection
Photo liveness detection service.
Learn more »
Identification by phone number and photo
Identification by phone number and photo
The report allows you to identify the client by checking the phone number and identity of the person on the submitted photo, based on the data in the bureau's database.
Learn more »
Information on the SIM card reissue
Information on the SIM card reissue
The service allows you to receive indicators, through the analysis of which, you can find out if the identification number of the SIM card has been changed during the last 5 to 30 days, based on client’s phone number.
Learn more »
Public registers
Entrepreneur Dossier
Entrepreneur Dossier
Information about an individual-entrepreneur obtained from public sources.
Learn more »
Public Dossier
Public Dossier
Information about a legal entity obtained from public sources.
Learn more »
Identity document verification
Identity document verification
Information about the availability of identity documents in the invalidity lists.
Learn more »
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.
Learn more »
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.
Learn more »
Information about registered vehicles
Information about registered vehicles
Information on the availability of registered vehicles for a person or legal entity, their technical characteristics and information on registration.
Learn more »
Collection services
Skip Tracing
Skip Tracing
Broad search for debtors’ contact information.
Learn more »
Business services

Highly effective risk mitigation tools, based on a database of credit histories and data from public sources – verification of customers and contractors, identification, verification and anti-fraud services, verification of property, arrests and prohibitions, a large array of scoring models.

The services of the Ukrainian Bureau of Credit Histories, for a Business will be useful in various business processes aimed at counteracting fraud, assessing risks or collecting information:

    • identification and verification of individuals, including remotely;
    • making credit decisions on any type of loans – from credit card limits, consumer credits or microloans to loans for start-ups;
    • verification of legal entities and individual entrepreneurs before lending, providing other banking services to small and medium-sized businesses in Ukraine, when providing consulting services for businesses etc.;
    • verification of contractors in any monetary or property relations;
    • verification of movable and immovable property, arrests and prohibitions;
    • search for contacts to work with debtors

etc.

How does it work?
The Ukrainian Bureau of Credit Histories has the largest database of credit histories in Ukraine and receives data from more than 500 Ukrainian lenders.
Based on the information that makes up a credit history and other data received by the bureau from partners, as well as using data from state registers and other public sources, we have developed a wide range of services in the following areas:

  • actual checking of credit histories and monitoring their status,
  • suggested analytic tools represented by a number of scoring models – from general to highly specific and individual ones,
  • identification and verification tools, including the ones using photos with the Microsoft Face API biometric face recognition technology,
  • fraud and operation risks prevention tools,
  • tools for obtaining information about a person, based on the data from public sources
  • etc.

Successful use of the tools, which we offer, in your business processes, can significantly improve the level of fraud prevention, optimize risk assessment and improve the level of service for your customers, as a result of simplifying and accelerating verification procedures.

Most of the services that we offer to businesses involve the signing of a contract with the bureau and a partnership, which can be both unilateral and bilateral. Unilateral interaction suggests only obtaining data from the bureau. Bilateral interaction is possible for the organizations providing loans, and also involves transfer of data about loans of the organization constituting a credit history. Depending on the amount of data that the organization transmits, we offer personalized billing for requests.

There are also services available for a business, without having to sign a contract:

  • checking a credit history of your own company;
  • verification of a Public Dossier of any company, i.e., obtaining aggregate information on any legal entity from open sources.
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)

To get acquainted with the web-interface and services of the bureau, you can use 

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

Rates for other services for the partners, who do not transfer credit histories to the Bureau (unilateral partnership).