By data RBC, Russian banks are considering the possibility of consumer ratings credit histories their relatives. This technique promotes the Bureau of Credit Histories "Equifax". Service has tested more than ten retail banks, including VTB, Bank Tinkoff and "Renaissance Credit".
The developed method should allow to assess the risk of non-payment loan borrower. The data of the customer for this purpose will not be used. The risk of potential default will be calculated only on credit history of his inner circle.
Now check the system contains information on nearly 60 million citizens. The probability that the database is found at least one relative of the borrower is 80%, according to "Equifax". If one of these relatives is in delay of payments to a large extent, the credit rating Bank customer can be reduced.
In this test method has weaknesses that may affect the issuance of a loan. For example, now the system can calculate the relatives of the former spouses with common name, or, conversely, do not "connect" the husband and wife with different names. These details will be finalized.
see also🧐
- What you need to know to get a loan from any bank
- How to fix credit history
- 9 unexpected reasons, due to which you may be denied credit