Banks have been checking personal data of their possible clients through credit buros for some years. It lessens risk of dealing with careless bank clients. Borrowers also turn to credit buros. Hardening credit rules make people more carefully estimate their money means and check their own past. We remind that a credit story is being made only with consent of person. Refuse from giving information to collection agency can affect the process of credit obtaining. Application form is made up of 3 parts: title, main part and additional (hidden). Bank supplies information to the buro only after signing a contract with borrower. General borrower’s information (Last, First and Middle names, address, phone number, Individual Taxpayer Number. Etc.) are wrote in the title part. Credit buro gives this data within 2 days to central catalogue of credit stories under the jurisdiction of Central Bank of Russia. Here the data of all borrowers is being collected. The main part contains all the essential contract conditions: sum of the credit, terms of repayment, credit period of paying interest, dates of payments and repayment. Bank will send all new information about borrowers (connected with credit ) to credit buro. For example payment delays are noted in the main part of credit story. Data about payments by money means got from pledge buying or by guarantor are also noted. If you failed to get credit from a few banks it may happen your reputation is spoiled. You can check it. Arrears of payments or deliberate nonpayment can spoil reputation. 5 or 10-day-arrears are not registered but in case the arrears are more than 10 days, you’ll be immediately included into the stop-list and corresponding data will be given to credit buro. According to law "About credit stories" a borrower can get his story free of charge only once a week. All further appeals to credit buro within the same year will be paid. Query price amounts to 300-500 rubles. "There are a lot of sites offering to give you your credit story via internet for money, says Olga Voropaeva, specialist at credit buro. The data will be likely untrue or out-of-date. It’s worse if they offer you to clean your credit story. Be careful not to deal with them. You will probably lose your money or good reputation". Any borrower gets a credit story anyway, says the expert. One shouldn’t blur it. It will be nearly impossible to correct the data. Only after 5 years credit story can become positive. Artyem Krasnov