Ive been going towards this all my life. We expect to complete it within 10 days, which will be a record. Ruby, on the verge of possibilities, we are all with him, because he is the only one, at the maximum height , dont rise higher, youll just fall like a stone , with the speed of the wind, its a super cyclone, a killer cyclone, its like hes chasing you, what do you want must, master of the wind. The president of poland will invite the law and Justice Party to form a government. Andrzej duda justified this by the fact that it was she who won the elections, but the opposition believes that the only candidate for the post donald tusk, whose Political Association took second place, may become prime minister, the fact is that despite the victory, justice did not receive enough votes to obtain a majority. And the three opposition parties, if united, have the opportunity to form a coalition government. Now its time for economic news. Rfp and partners from china have created a joint fund for the development of the aviation industry. He will invest in Aviation Enterprises and projects in the two countries, as reported in the russian federation. Invest will be in National Currencies in equal amounts. The total size of the fund is 100 billion rubles. Sales of used cars are growing in russia. Since the beginning of the year, russians have bought more than 4 million of these cars. This is a quarter higher than the results of 2022. Such data are provided by autostat. Lado remains the leader in sales. 930,000 cars. Toyota took second place with more than half a million cars, the kia brand closes the top 3 with 245,000 cars sold. At the end of the quarter, x5 group increased its net revenue by a quarter, and the retailer made money. Almost 795 billion rubles, this is stated in his report the income of the pyaterochka chain increased by 17 , perekrestok by five, and the discounter chizhik three times. At the end of 3 months, x5 opened 784 new stores, now there are almost 23,500 of them across the country. And the imf predicted a slowdown in Economic Growth due to the situation in the middle east. According to the fund, global gdp will grow by 3 this year and 2 in the next, as reported by cnbc following a meeting of the imf world bank, while inflation will also slow down, forecast for next year 5. 8 . Managers central bankers said they were ready to stop raising interest rates. It was economic news, briefly. Well, we will continue the financial topic, why the borrowers Credit History is important for banks, where to get it and how to check it, stanislav bernual will tell you in the Program Instructions immediately after the advertisement. Dancing is your bag of popcorn for discounts this is the norm, from october 19, order goods in a scooter with discounts, distracts the department, open a vtb current account, get it. Pulsar effectively cleans your car engine. Fill up with fuel pulsar rosnet, take part in the draw and dont miss the chance to get a car. Pulsar Rosneft Energy of victory. My daughter sang the best again, thats five. Action of oral seepta against bacterial fungal infection. Five actions of oralcept for sore throat. Russian lotto birthday is won by two out of three tickets. Go to king top, lunch at burger king. Oh, for a bigger apartment, sometimes you just need a sign. Find an apartment in cean and save up to 30 on your mortgage. Lets run, faster the new sportmaster application will help with running technique. Go to the Running School in the poster section. Get free lessons. Practice running further. Faster, safer, update sportmaster, upgrade your skills. As we age, changes in vision can change the way things are done. Taufon was created to nourish, restore and preserve the youth of the eyes, it is recommended to use daily for 3 months. Tufon is now in new packaging, specifically for course use. Quality of technology. Domestic production. Ntk nord oil. Reliability in every moment of movement. Green, green, green, green day at sbermarket, a great reason to order products and get cashback with 60 bonuses, only until november 8, for any reason sbermarket , vtb team is with you, vtb has the best application, payment for housing without commission, i wonder who done, someone who wants to surround those closest to them with warmth and comfort every day, well done, daughter, we came up with a vtb debit card and improved vtbon online as for ourselves, so that your life becomes more comfortable. Switch to vtb right now. Credit history is your calling card a card for banks, if it is damaged, a new loan may be refused. Therefore , it is advisable to check your Credit History at least sometimes. Well tell you where and how to do this in 5 minutes. This issue contains instructions. Credit history is the main tool that helps the bank understand whether you are a conscientious borrower or not. It includes all information about debts, not only loans, Debt Collection by bailiffs for unpaid communication services, housing and communal services, information about alimony, everything will become part of the Credit History. It is kept in the Bureau Credit histories, the Financial Institution is obliged to send information there within three business days, and large lenders must send information about borrowers to at least two bureaus, and it may turn out that there are loans, but no Credit History, in any bureau, and what to do in this case . Requirements for the mandatory transfer of Credit History, to at least one bank, without obtaining the consent of the borrower, appeared on july 1 , 2014; before that, the bank could transfer information to the Credit Bureau only for those people who they gave permission for this, then indeed. It is worth writing an application to the bank or Microfinance Organization with a request to send information about the loan to the Credit History bureau. If we assume that the bank did not fulfill its obligation and did not transmit information about the loan to the bank, then it is necessary to write an application to the bank demanding that the error be corrected. Lenders can accept such requests remotely within ten working days; the creditor is required to conduct a check and forward the data. But it may happen that the bank or Financial Institution does not agree with your arguments. In this case, you can send an appeal to the central bank or solve the problem through the court. But dont let this confuse you, there is an easy way to request all stories at once through Government Services. On the portal, open the service for obtaining information about storing your Credit History, click start. Then check the correctness of the data that is pulled up from your personal account, send a request, a response from the bank of russia will come to your personal account. Formal waiting period. One working day, but in practice it is 1020 minutes. Open the response received, select the agency from the list and go to its website, register and request the story itself. Each offices registration process and requests are slightly different, so follow the instructions on the websites. And now pay attention, in russia at the time of the creation of this instruction there were six bkis operating, all of them were included in the register of the central bank. The regulator may change this list, please check. Official website, however, if you follow a link from Government Services, you are already insured against errors, you can send a request on the official website of the central bank of russia. The request can also be submitted through a Credit Bureau, Microfinance Organizations and Credit Cooperatives or notaries. It is important to know that this can be done free of charge no more than twice during each calendar year and no more than once on paper. For example, using the service of the bank of russia to provide information about the Bank Accounts in which a citizens Credit History is stored, on Government Services you will receive a link to the official website of each bank account in which your Credit History is stored. So, according to request to provide a report in electronic form for free twice a year on paper once, then the Service Becomes paid, but the number of requests is no longer limited, some bureaus offer a subscription by which they send the history regularly and can even warn about each new loan issued. You have received your Credit History , but how do you understand how good it is . Bi will evaluate everything for you, the rating depends on the likelihood that you will be late on payments by more than 90 days, each bank has its own set of data on loans loans, the actual calculation methods, so the ratings may vary, what to do if you realize that you are in a bad situation, the main thing is not to rush into the arms of scammers who offer to improve your Credit History, which of course is not free. There are not so many legal ways to correct your Credit History, but firstly, debts, if any, must be repaid. And without resorting to bankruptcy, it will have a bad effect on your rating. Secondly, the loan can be refinanced, that is, take out a new one and pay off the old one at its expense. Its ruining history it shouldnt, if they dont give you a large amount, you need to start with small loans, repay them on time and thus restore the confidence of the banks. What if your Credit History is damaged through no fault of yours, that is, an error has crept into it. Submit to bki. Application for changes or additions, within twenty working days, the bureau is obliged to conduct an additional check of the information, that is , request it again from the bank, you must be informed about the results in writing, in case of refusal to explain the reasons, unfortunately, sometimes you can challenge a Credit History only through the court, for example, if the source of data about the loan no longer exists, that is, the organization was liquidated, but what should you do if extracts from the bki contain a loan that you definitely did not take out. Urgently write a statement to the bank and demand an internal check, if your passport was stolen, be sure to attach a copy of the police certificate. The lenders experts will conduct an internal investigation and may write off the debt if they find evidence that fraudsters took the money, if not, you will have to write an appeal to the central bank or go to court. Lets repeat the most important thing, the bank needs a Credit History to. The reliability of the borrower, so you need to make sure that it is in order, the history includes not only overdue loans, but also your other debts, it is stored in the Credit History bureau, and you can request a statement, for example, through Government Services , twice a year they should give it to you completely free of charge, this is if in electronic form, in paper form once, if there is an error in the Credit History, inform the bureau about it, additionally will request information from the bank, you still have questions, you want to understand how to act in. Financial situations, subscribe to our telegram channel, ask, and we will definitely find out from the specialists and tell you about it in one of the next issues of the manual, now for urgent messages Belgian Police confirmed that the perpetrator of the shooting in brussels was killed during detention, he has been identified, this is reported with reference to the crisis center, we are closely monitoring incoming information, and now to other topics, about 23 billion passengers transported by Russian Railways in 20 years. This year the Company Celebrates its anniversary. Ojid is one of the World Leaders in the industry. A special report by taras kucherenko about the path traveled. To become one of the worlds best companies, to be a leader among all countries in terms of the intensity of railway use, the most energyefficient Railway System according to the International Energy agency, all this is about Russian Railways, today the company transports 85 of passengers and 86 of cargo on electric traction. In 20 years we have transported almost 24 billion passengers, if calculated by the number of inhabitants of the earth. Since a large amount of renewal is carried out for every inhabitant of the earth, we transported at least three in the industry, almost all this time we bought the entire fleet of cars that our domestic Mechanical Engineering offered us. Over 20 years, the company has purchased almost 21,000 modern longdistance carriages and about 10,000 commuter electric train cars. Kazan. Moscows number one place. A special train with a unique interior has arrived here, history of railway development. 16 compartment cars, like a book about sixteen Russian Railways, from kaliningrad to the far east. And inside is the best that exists in russian carriage building today. This is the most modern carriage in russia; here you can set a separate temperature for each compartment. Comfortable wide sleeping areas. In the first carriages in tsarist times they were not present at all, as they are obligatory today. Toilet, you can get acquainted with the development of railways on this train, it is dedicated to the twentieth anniversary of Russian Railways. The carriages are equipped shower cabins, special devices for filtering and heating water, toilet complexes are equipped with sensor taps for contactless supply of water and soap, and electric toilets. Each seat has an outlet and a usb port; you can connect both a phone and a laptop at once. It is planned that the branded Rolling Stock will carry passengers until the end of the year. During october it will travel in the direction moscowst. Petersburg, and then these cars will be used in the tourist train, the golden ring, and will travel on the section moscow, yarosla, livanovo, moscow. The Railway Company was founded 20 years ago, on the basis of the Russian Ministry of transport. In the midnineties, the profitability of Railway Transportation fell to. The industry brought only losses, it was necessary to change everything, develop Development Programs with an eye not only on profit, but also on quality, get rid of the old approach to work, and this was done, the share of Railway Roads in the countrys freight turnover has increased by almost 10 over 20 years. Today, Russian Railways transport about 1 3 of all Railway Cargo in the world, occupying this indicator ranks second in the international rankings. The total share of Railway Transport, the work of Railway Transport, together with colleagues, these are freight car operators , these are suppliers of products for new Railway Transport, this is with shippers who used Railway Transport, amounts to 5. 8 of gdp, all these figures indicate the importance of Railway Transport for the development of our country. And of course, the further expansion of the Railway Network is extremely important for us. The Investment Program of Russian Railways supports the work of thousands of russian enterprises, among them representatives of not only large, but medium and small businesses. Over 20 years, the amount of various orders from the company exceeded 9 rubles. At the same time , Russian Railways have become a reliable partner for the countrys largest companies. This year, our partnership with the russians. Roads have been around for almost 20 years now, so we have known each other almost since our founding. At the end of last year, we transported just over 25 million tons, and these are such basic cargo categories as petroleum products, liquefied carbohydrate gases, solid liquid sulfur and petrochemical products. Volumes will only increase the stagnation between Russian Railways and the Companies Gazprom neft, gazprom trans and gazprominvest, an agreement on the transportation of liquid hydrocarbons has been signed , there are few from the largest fields, they plan to start deliveries in the twenty fifth year, over 52 million tons in 15 years, already underway