Already two years ago, all housing and utility services providers were officially given the opportunity to provide information about their “clients” to the credit bureau.
Of course, it was not without certain conditions regarding the quality of the information provided. The fact is that it is allowed to send data only to those people, in the direction of whom, a court decision was announced. And this, respectively, malicious defaulters. Thus, to improve the credit history with the help of active workers of housing and communal services will not work. But, undoubtedly, the absence of such data about you in the BCA Bank will benefit you if you want to take a loan.
According to the initiators of the amendment, the usefulness of such data should be noticeable, both for financial structures that issue loans, and for subjects of information. It will be easier for lenders to identify their risks when evaluating a potential borrower, and for citizens of our country, the amendment should once again remind them that they need to fulfill their obligations to pay for the services they use.
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Suppliers of utility services, mainly support this system. According to official data, by mid-2016, 50 organizations from 10 regions of Russia participated in the process. The activity of management companies could have been more powerful, but due to the lack of, for example, the defaulter’s passport data, they make the task very difficult. According to representatives of the Criminal Code for Housing and Public Utilities, this tool has a positive effect on the formation of the responsibility of residents regarding the occurrence of debts.
Now a few questions arise on the development of a system of interaction between suppliers of housing and utility services. At the moment, bills are already being drafted that will allow management companies to get the passport data of their “clients”. Also, the usefulness of information for lenders is interesting, as far as this information can really help for scoring. BCA Bank conducted a study and found that according to the data from the Criminal Code, it is possible to make objective conclusions about a person. Thus, more than 70% of those who owe large sums for utility bills, in almost 80% of cases have debts on consumer loans or deputies. And for almost all of them who took the car on credit, violations were also noticed. Such statistics show that you can safely use the data provided by utility suppliers for customer evaluation.
Upgrading and expanding the system, of course, necessary. In addition to the bill on passport data, there is an idea to give the Criminal Code the opportunity to provide positive information about their payers. This practice should strengthen the desire of citizens who monitor their credit history, and others, to control the situation with the payment of their bills for housing and communal services.