Credit history

• Credit bureaus

  Ukrainian Credit Bureau, First All-Ukrainian, International — three bureaus, data may differ.

• How to check

  A free report once a year from each bureau: application + passport/Diia; online — BankID.

• Scoring

  Payment discipline, inquiry count, limit utilization, history length — the main factors.

• Improvement

  Close microloans, pay on time 6+ months, keep limit use <30%, fix bureau errors.

An error in your history is common: someone else's loan, a closed one marked 'active'. A bureau dispute with documents is free and works; ignoring it — a mortgage refusal in a year.