QUESTION: Как проверить свою кредитную историю бесплатно? (Translation)

Checking your own credit history is an important financial habit that is recommended to be performed regularly. Every citizen has the legal right to request their credit history report for free several times a year. The exact number of free requests depends on current legislation and the rules of a specific country, but usually it is twice a year through official government portals or directly through credit bureaus.

To obtain the information, you need to log in to the official government services portal or find out through the Central Bank which specific bureaus store your file. After that, you can submit an electronic request, and the system will provide a detailed document with all current and closed obligations, as well as information about your individual credit score.

Regular monitoring allows you not only to control current obligations, but also to timely identify potential errors, technical failures, or even traces of fraudulent activity. If you find someone else's loan or incorrect data on overdue payments in the report, you will have the opportunity to promptly take measures to correct them before they interfere with obtaining a new loan.