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UNITED CREDIT BUREAU

UNITED CREDIT BUREAU IS THE RECOGNISED LEADER IN THE RUSSIAN CREDIT BUREAU MARKET.

The Bureau database contains more than 500 m credit histories on 90 m borrowers from all over the country. Among the Bureau clients, there are over 600 banks, microlenders, insurance companies and mobile network operators.

We focus not only on the quantity of data, but also on the quality of their processing, and the extent of their availability to clients. Our technical solutions allow us to operate up to the world standard and in full compliance with both Russian and international security requirements. The Bureau production system is available on the 24/7 basis.

United Credit Bureau also provides its clients with high-performance risk assessment, credit portfolio management and fraud prevention services.

The Bureau shareholders are Sberbank of Russia, Experian, and Interfax Group.

500+ M CREDITS AND LOANS

600+ CLIENTS

HIT RATE 97%

90+ M BORROWERS

Milestones

  • 2004. Global company Experian and Interfax Group announced establishment of Experian – Interfax credit bureau.
  • 2006. The Bureau is included in the State Register of Credit Bureaus (No. 077-00009-002) and starts passing data to the Central Catalogue of Credit Histories of the RF Central Bank.
  • 2006. Launch of the Scoring service to assess the borrower’s creditworthiness on the basis of their credit history data.
  • 2006. The Bureau database contains 1 m credit histories.

2004-2006

  • The Bureau database contains 10 m credit histories.

2007

  • Launch of the Benchmarking service to assess the credit portfolio and the current market situation. 
  • Opening a specialized office to service private individuals. 

2014

  • Launch of the B2C online credit-report service
  • Launch of SPARK-Interfax service providing credit reports for non-financial purposes
  • Launch of the Insurance Scoring

2015

  • 200+ mln. credit histories in the Bureau data base
  • Launch of B2C credit reports service for Sberbank Online clients
  • Home Credit Bank and United Credit Bureau have signed the long-term agreement for cooperation.

 

2016

  • Artur Alexandrovich appointed as CEO
  • UCB and Interfax developed a new system for assessing SME credit risks

2019

  • Home Credit implemented the OkScore service in its mobile application
  • A new office for clients has been opened in Moscow
  • New name of the Bureau is Joint-Stock Company “United Credit Bureau”
  • UCB strengthened its work with non-credit financial organizations
  • Launch of an "Analytical Sandbox" that allows to assess credit risks using depersonalized data from the Bureau

2020

  • Sberbank became a shareholder of the Bureau (50% shares).

2009

  • 2011. Launch of the Triggers service to track changes on the borrower’s credit history.
  • 2011. Experian – Interfax renamed United Credit Bureau.
  • 2013. The Bureau database contains 100 m credit histories.
  • 2013. Launch of the IDV service for online customer identification.

2011-2013

UCB is the largest Russian credit bureau in terms of data base volume

2017

  • The Bureau has provided the Triggers service to microfinance organizations
  • Tinkoff Bank and UCB provided the Credit History Report service

2018

  • Bank of Russia has recognized UCB as a qualified credit history bureau
  • The Bureau implemented a new processing system
  • The Bureau database contains 500 m credits and loans

2021