Individuals show more interest in credit reports, while MFOs and banks – in borrower ratings
The number of credit reports received by individuals from credit history bureaus (CHBs) gained 9% in 2025 H1. At the same time, the number of requests for information about borrowers’ individual ratings that banks and microfinance organisations (MFOs) sent to CHBs increased by one-third. MFOs’ demand for CHB services is increasing amid the growing proportion of online microloans: over the past 12 months, credit assessment (scoring) services have almost doubled.
Credit reports help creditors reduce the amount of overdue loans in their portfolios by lending to more solvent borrowers. According to Bank of Russia calculations, the potential saving effect increased by almost 25% over the past 12 months: each ruble spent on a credit report may reduce the amount of an overdue loan by more than ₽280.
More details are available in the Analytical Review of Credit Information System for 2025 H1.