How to find out if I have loans: proven methods for

Have you suddenly received a call from debt collectors about a non-existent loan? Or just want to make sure that no one else's loans are issued in your name? In 2026, scammers are actively using stolen passport data to obtain microloans and sometimes bank loans. According to Central Bank of the Russian Federation, in the first quarter of 2026 alone, more than 120 thousand cases credit history fraud.

The problem is that many citizens find out about the problem too late - when the debt has already been transferred to collectors or their credit history has been damaged. In this article we will look at 7 official ways, how to check for loans in your name, including little-known services and life hacks. You'll learn what to do if you discover a suspicious loan and how to protect your data in the future.

Important: loan verification must be comprehensive. One source (for example, only State services) is not enough - scammers can bypass some databases. We'll show you how to cross-check information from different systems to get the full picture.

1. Checking through State Services: a quick but incomplete method

Portal Public services is the first tool you should turn to. Here you can see information about government and some commercial loans, but the data is not always up to date. Here's how to do it:

1. Login to www.gosuslugi.ru (account level must be confirmed).
2. Go to section Services → Taxes and finance → Credit history information.
3. Select an item Get credit history information and follow the instructions.

⚠️ Attention: Not all loans are displayed on State Services! There is no data on microloans from MFO (microfinance organizations), which are most often used by scammers. For the full picture, be sure to check other sources.

In the results you will see:

• 📌 List of banks where you have loans or credit cards
• 📅 Dates for issuing and closing loans
• 💳 Amounts of debt (if any)

If an unfamiliar bank appears on the list, this is a cause for concern. According to Law No. 218-FZ, the lender is obliged to notify the borrower about the issuance of a loan within 5 days, but scammers often fake contact information.

2. Central Bank of the Russian Federation: official database of all loans

The most reliable source of information is Central Catalog of Credit Histories (CCCH) from the Central Bank. Here is collected information about all credits and loans, including microloans and credit cards. Verification is free, but requires identity verification.

Instructions:

1. Go to the site TsKKI of the Central Bank.
2. Select section Request for information about credit bureaus.
3. Fill out the form with your passport details and credit history subject code (if you don’t know the code, you can restore it on the same site).
4. Get the list BKI (credit bureau) where your history is stored.

After this, you will need to contact each of the specified BKIs to receive a full report. Don't be alarmed if you see a few BKIs - this is normal. More than 10 accredited bureaus, and lenders can transfer data to any of them.

Contact the bank that issued the loan and request a copy of the agreement|

File a report with the police regarding fraud (Article 159.3 of the Criminal Code of the Russian Federation)|

Block your credit history through BKI|

Check if your data has been leaked on sites like Avito or Yuly

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⚠️ Attention: If the response from the Central Bank indicates that your credit history is stored in NBKI (National Credit Bureau), be careful - this is the largest bureau, and scammers often fake requests there. Always check the official website: www.nbki.ru.

3. Credit Bureau (BKI): where to look for complete data

After you have received a list of BKIs from the Central Bank, you need to request reports from each of them. Some bureaus provide free report once a year, a fee may apply for additional requests (usually 300–500 rubles).

The most popular bookmakers in Russia:

BKI name	Website	Cost of the report	Features
NBKI	nbki.ru	Free 2 times a year	The largest bureau, data from 90% of banks
Equifax	equifax.ru	Free once a year	Stores data about microloans and credit cards
OKB	ckki.ru	300–400 rubles	Specializes in mortgages and auto loans
BKI "Russian Standard"	rsbki.ru	Free once a year	MFOs are often used

In the BKI report, pay attention to:

• 🔍 Unknown loans - if you see a bank from which you have never taken a loan, this is 100% fraud.
• 📅 Issue dates - sometimes scammers apply for loans using old passport data (for example, if you changed your last name).
• 💸 Amounts and delays - even a small loan of 5,000 rubles can ruin your credit history.

Yes, regularly (once a year)|

Yes, but a long time ago (more than 2 years ago)|

No, never|

I found an unknown loan and now I'm checking

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⚠️ Attention: If the BKI report contains a record of a credit history request from an unfamiliar bank, this may mean that fraudsters tried to apply for a loan in your name, but were refused. Such requests also spoil your credit history!

4. Online services for express verification: fast, but not always accurate

If you need to urgently check the availability of loans, you can use online services. They do not provide a complete picture, but they help to quickly identify suspicious activity. Best options:

• 🔹 BKI24.info — aggregator of data from several BKIs, the first report is free.
• 🔹 MyState Services — unofficial service, but pulls data from open sources.
• 🔹 Credit-Check — a paid service (from 200 rubles), but with advanced analytics.

⚠️ Warning: Some services may request SMS confirmation or access to personal data. Never enter passwords from State services or banking applications on third-party sites! Fraudsters create copies of legitimate services to steal data.

Example of a scam site:

❌ Suspicious URL: gosuslugi-ru.com, gosuslugi-online.ru
✅ Official URL: gosuslugi.ru (note the domain .ru, not .com!)

5. Banks and microfinance organizations: how to request information directly

If you find an unknown bank in your credit history or MFO, you can contact this organization directly. They are required by law to provide credit information upon your request.

How to do it:

1. Find the official website of the bank/MFI (check in the Central Bank register: list of microfinance organizations).
2. Write a statement addressed to the director requesting a copy of the loan agreement. Sample:

Sample application to the bank for credit verification

General Director of [Bank Name]

from [your full name], passport [series, number], issued by [who and when]

STATEMENT

Please provide information about the existence of credit obligations in my name at your bank. If you discover a loan issued without my knowledge, please provide a copy of the loan agreement and notify me of fraudulent activities.

Date: [date]

Signature: [your signature]

Submit your application by registered mail with notification or through the official feedback form on the bank’s website. By law, the answer must be given within 30 days.

If the bank ignores the request or refuses to provide information, this is a reason to contact:

• 📞 Central Bank (hotline number: 8 800 300-30-00)
• 📝 Rospotrebnadzor (you can file a complaint online website)
• 👮 Police (statement of fraud under Article 159.3 of the Criminal Code of the Russian Federation)

6. Collectors and courts: what to do if the debt has already been transferred

If you found out about the loan too late and the debt has already been transferred to collectors or is in court, you need to act quickly. Here's the algorithm:

1. Check if there is a court decision. You can do this on the website Judicial Department (Section “Search by Case”). Enter your full name and region.
2. If the case is in court, file an objection. You have 10 days from the date you receive the summons to dispute the debt. In your objection, indicate that the loan was issued by fraudsters.
3. If the debt is from collectors, ask for proof. According to Law No. 230-FZ, collectors are required to provide the original loan agreement with your signature. If the signature is forged, this is grounds for contacting the police.

⚠️ Attention: Collectors often use psychological pressure. They do not have the right:

• 🚫 Call you more than 1 time a day, 2 times a week or 8 times a month.
• 🚫 Threaten or insult (this is criminally punishable under Article 119 of the Criminal Code of the Russian Federation).
• 🚫 Tell your relatives or employer about the debt.

If debt collectors violate your rights, record conversations (this is legal in Russia) and contact FSSP (Federal Bailiff Service) or the prosecutor's office.

7. How to protect your data in the future

Even if you currently have no unknown loans, this does not guarantee security. Fraudsters are constantly improving their methods of stealing data. Here 5 stepsto minimize risks:

• 🔒 Block your credit history. This can be done through any BKI (for example, NBKI). After blocking, no one will be able to issue a loan in your name without your consent.
• 📱 Install the “Government Services.Credits” application. It sends notifications about new loans and inquiries into your credit history.
• 🛡️ Use the “Credit Doctor” service from the Central Bank. It analyzes your credit history and alerts you to suspicious activity.
• 📄 Do not share copies of documents. Even if you are promised a “favorable loan” or “fast processing,” do not send scans of your passport to strangers.
• 🔄 Check your credit history every 3 months. The sooner you detect fraud, the easier it will be to challenge it.

It's also worth connecting SMS alerts from banks about new loans. For example, in Sberbank this is done through the menu Settings → Notifications → Credit products.

If your data has already been compromised (for example, you lost your passport or logged into phishing sites), it makes sense change passport. It's difficult, but sometimes the only way to stop scammers.

FAQ: Frequently asked questions about loan verification

Is it possible to check loans by last name without a passport?

No, that's impossible. All official services (Central Bank, BKI, State Services) require identification confirmation through passport data. If you are offered to “check credits by last name”, this is a scam.

What to do if you find an unknown loan in your history?

Urgent:

1. Contact the bank that issued the loan with a request to cancel the agreement.
2. File a police report (Article 159.3 of the Criminal Code of the Russian Federation - loan fraud).
3. Block your credit history through BKI.
4. Check if your data has been leaked on sites like Avito or Yuly (fraudsters often buy scans of documents there).

How much does it cost to check your credit history?

By law you have the right 1 time per year Get a free credit report from every bank. Additional checks can cost from 300 to 1,000 rubles depending on the bureau. Some services (for example, BKI24.info) offer the first report for free.

Can they get a loan in my name if I have no credit history?

Yes, scammers often choose victims with a “clean” credit history, because such people check it less often. Particularly at risk:

• People who have never taken out loans.
• Those who rarely change their passport (old data is easier to falsify).
• Those who publish scans of documents on the Internet (for example, when selling a car or real estate).

How to check loans for a deceased relative?

To do this you need:

1. Obtain a death certificate.
2. Contact the BKI with an application for a credit history of the deceased (you will need your passport and death certificate).
3. If there are debts, they may not be repaid unless you are an heir. But if you enter into an inheritance, the debts pass to you.

⚠️ Attention: scammers sometimes issue loans to deceased people using their data. If a relative has not used loans for a long time, but new entries have appeared in the history, this is a reason to check.