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My credit history

Your credit history is your financial portrait, reflecting your reliability as a borrower. Raif allows you to check your credit history according to the data of the First All-Ukrainian Bureau of Credit History.

Loans from Raif

Home→ Credits → My credit history

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Raiffeisen cooperates with the first and largest credit Bureau of Ukraine. It covers 70% of the market of credit services.

What is credit history?

The credit history of an individual contains information about past and current loans, loan amounts and their repayment terms. This is a financial "passport" that shows how responsibly the borrower treats his financial obligations.

Credit history is formed throughout life. Timely payment improves it, and late or non-payment makes it worse. Accordingly, banks and other lenders evaluate your credit history to understand how risky it is to give you credit. At most, you can check your credit history yourself with Raif.

Why to monitor your credit history?

Simple to apply The only documents we need from you is your passport and identification number
Better financing terms A good credit history significantly increases your chances to get a loan on more loyal terms
Protection Enhanced protection of yourself and your personal information against scammers attempting to get a loan using your documents
Convenience Instant, 24-hour access to the status of your credit history
Security Regularly check your credit history to make sure that information filed there is accurate and up-to-date

Tariff plans

Security +

150 UAH for 24 months

  • 50 UAH: Additional credit history request (unlimited)
  • 24 times: Number of requests for credit history within the fare 1 time per month

Security

90 UAH for 12 months

  • 50 UAH: additional credit history request (unlimited)
  • 4 times: number of requests for credit history within the fare 1 time in 3 months
  • 12 months: period of validity of the tariff plan

Control

50 UAH for 6 months

  • 50 UAH: additional credit history request (unlimited)
  • 1 time: the number of credit history requests within the fare
  • 6 months: period of validity of the tariff plan
Order of registration with the Credit Bureau

The program operates on the entire territory of Ukraine except occupied territory and the territory of the antiterrorist operation. Detailed conditions.

Useful information

First of all, credit history reflects how the borrower manages credit obligations. And it also serves as a means of preventing fraud, because it helps detect unauthorized loans.

 

It only takes a few minutes to check your credit history at a credit bureau. This is important, because in this way you will be able to:

  • notice and correct errors;
  • protect against fraud;
  • understand how to manage finances;
  • prepare to receive a loan.

It is possible to improve your credit history, but it is not a quick process.

Pay all payments on loans and credit limits on time.

Do not take out many loans at the same time.

Check your credit history regularly. If you notice an error, immediately inform the Bank and the credit bureau that provided such information.

Please note that it will not be possible to remove items about non-payment or delayed payments from the history. The way that really works is to keep track of your loan payments going forward. Find out about ways to repay loans in Raif.