Issues related to credit histories, are governed by Federal law 218-FZ "On Credit Histories", so if there is any doubt or want to know the most reliable information you need to learn in the first place exactly with the law. This law is simple and intuitive, and that is especially nice – neat: it is only a few pages. Let's start with the most important. Credit history – it's about how the borrower has fulfilled his Acting on the loan agreement, and crediting. Credit report – a document that contains information from the borrower's credit history. It was this document prepared stakeholders (what – a little later) – in paper or electronic form. Borrower's credit history of an individual consists of three parts: the title, the main and closed. The title section contains the identity of the borrower – ie name, date and place of birth, passport data and, if available, Taxpayer and the number of pension certificates. The main part of the credit history indicates more detailed information, such as: – place of incorporation and place of actual residence, the borrower – indication of the obligation of the borrower on the date of the loan agreement – a timeline for the fulfillment of the obligation and timing of payment of interest – information on the dates and the actual performance of obligations under Loan Agreement (meaning delay and arrears), – the settlement of the loan by providing – on the facts of consideration by courts of disputes under the loan agreement in the closed part of the credit history contains information on sources of credit history – namely the banks, who have sent the relevant information about borrowers.