Improve decision-making processes with credit report data.
Quickly and effectively assess the risks when issuing loans, recruiting, executing contracts with contractors.
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.
borrower’s current ID data and the history of changes made to it.
date and number of the contract,
type of loan,
loan amount, debt amount, overdue amount,
history of monthly payments,
source of information.
real-time information about the number of requests on the subject.
contact details and history of changes.
registration details of a business entity.
Verification of an individual for being wanted, subject to international sanctions, or involvement in terrorist activities according to data from the Ministry of Internal Affairs, the Security Service of Ukraine, and the State Financial Monitoring Service.
search results in the list of lost and invalid documents.
parties to enforcement proceedings; information about the contractor (name, contacts); characteristic of enforcement proceedings (status, type, opening date); history of changes in enforcement proceedings.
сomments from the subject, reports of a lost passport, disputing a loan contract or activated FREEZE, credit history correction, certificate of passing the financial literacy test and information about the possible death of the person.
Verification of an individual for public, political, or official status, or for connections with persons who hold such status.
Information about a person’s membership in the sanctions lists of the National Security and Defense Council of Ukraine, countries: Great Britain, USA, Canada, Switzerland, Australia, Japan, New Zealand and the EU.
Information about the person of entrepreneurial activity, in respect of which the bankruptcy procedure is ongoing or has been completed.
Aggregated indicators for conducting a rapid comprehensive assessment of a borrower’s credit history, improving credit risk management efficiency, and accelerating decision-making regarding lending.
Information on overdue utility payments.
The report will be useful for:
- generation of the subject’s financial profile, in order to assess the risks related to interaction with them;
- ensuring the required level of loan portfolio quality, by verification of the subject at the loan approval stage;
- monitoring current borrowers to timely respond to possible changes in the financial profile;
- checks of contractors and employees, interaction with which involves financial risks;
- mandatory verification in the Register of Persons Restricted from Accessing Gambling Establishments and/or Participating in Gambling, when entering into a consumer credit agreement, to ensure that the borrower does not use credit funds for placing bets (in accordance with the requirements of the Law of Ukraine «On Consumer Lending»).
After the Agreement-Application has been signed, and login and password have been obtained, a report can be requested through:
This method enables the manual processing of requests. To request a report, it is enough to specify the customer’s Tax Identification Number as well as his/her full name and date of birth.
https://secure.ubki.ua:4040/b2_api_xml/ubki/xml
Requesting a report is possible only subject to the individual’s consent
Frequently Asked Questions
- You can obtain the information that makes up a credit history of a subject, only if they provide consent to such a verification.
- In order to receive access to the register of the Ukrainian Bureau of Credit Histories, you must sign the Agreement-Application to join the Public Agreement, as well as to receive the login and password to enter your partner account.
The information about any assumed credit obligations generates the borrower’s credit history. You should not confuse registers of debtors with the database of credit histories. A credit history contains the information about factual patterns of use of credit funds, and discipline in the fulfillment of credit obligations for all the taken-out loans, both with violation of and with ideal adherence to a payment schedule.
Update procedures may vary depending on the lender that has transferred the information about the agreement – from daily to monthly data transfers.
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