Credit Bureau Data Transfers from Microfinance Firms Up 29%

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By the end of 2025, the credit history segment has shown a mixed but telling picture. On one hand, citizens are demonstrating an increasing interest in their own financial records, while on the other, microfinance organizations (MFOs) have increased their demand for scoring services. According to the Central Bank of Russia, the regulatory value of a single credit report has reached record levels.

Consumer Demand

Despite a decrease in the overall number of services provided by credit bureaus (BCIs) to individuals (down 1.3% in some categories), the number of credit reports requested by citizens has increased by 4.3% compared to 2024. This growth, against the backdrop of a reduction in individual rating requests, signals a qualitative shift: people are moving from a superficial assessment of their "reliability score" to a detailed analysis of their credit history.

Experts attribute this to an overall increase in financial literacy among the population and preparation for major purchases (mortgages, car loans), where every detail of the dossier matters.

MFOs vs. Banks

The corporate market has undergone a restructuring. While credit institutions have become less frequent in requesting data (due to the transition to the Unified Technical Format of the Central Bank of Russia and a 23% reduction in the volume of transmitted information), microfinance organizations have become much more active.

Data transmission from MFOs to credit bureaus increased by 29%, correlating with a 35% increase in the portfolio of microloans to individuals. Credit scores for MFOs soared 1.6 times, from 56 million to 90 million units. The microfinance sector is moving away from blindly issuing "payday loans" to a more technologically advanced rating system, aiming to filter out risky clients.

In terms of demand structure, banks and MFOs traditionally focused on full credit reports. However, related organizations (credit cooperatives, leasing companies, insurance and collection agencies) preferred to request scoring evaluations—a concise but informative forecast of borrower behavior.

Economic Efficiency

The most striking conclusion from analysts concerns the profitability of checks. Information from a credit report continues to be the "gold standard" for reducing delinquency. Calculations show that when loans are issued without requesting a credit report, the volume of "bad" debt (delinquency over 90 days in the first 12 months) is consistently higher than when reports are used.

By the end of the fourth quarter of 2024, the difference in delinquency per loan issued was 1,050 rubles in favor of those who checked the borrower. Considering the average market cost of a report at 2.65-3.11 rubles, every ruble invested in a credit report potentially saves the creditor 337 rubles on delinquency. Over six months, this "return on investment coefficient" increased by 19.5%.