Individuals show growing interest in credit histories
In 2025, the number of credit reports received by individuals was up by 4%. The increased interest in credit histories among individuals suggests the overall growth of financial literacy.
The demand of microfinance organisations (MFOs) for the services of credit history bureaus (CHBs) expanded significantly: over the year, the number of credit scorings provided to MFOs increased by a factor of 1.6.
The biggest interest in credit reports was observed among banks and MFOs. Other organisations, including consumer credit cooperatives, lessors, mortgage agents, insurance companies, and collection agencies mainly requested credit scorings.
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, each ruble spent on a credit report in 2025 H2 may reduce the amount of an overdue loan by more than ₽337.
Detailed statistics and a review of international practices of using CHB data are available in the Analytical Review of Credit Information System for 2025.