Actual questions
Questions of individual clients
Does Ishenim loan money?
No. Ishenim, like other credit bureaus, is an information agency, and not a lender. Individuals and businesses seeking credits are encouraged to refer to our member institutions, listed under "about us."
Does CIB Ishenim recommend the lender to issue or not to issue a loan?
No. CIB Ishenim does not recommend, not involved and does not affect the decision-making process of financial institutions (FCO) on a loan to the client.
Yesterday I opened my credit history through the Internet. Information on active credit was positive, and today members of FCO have informed me that I have a delay?
The information in the credit report may change because a process of transmitting / updating data, based on which it is formed, occurs 24 hours a day. In this regard, the credit report is valid only at the time of generation / receipt.
Whether it is possible to receive from CIB Ishenim the certificate of absence of accounts in the commercial banks of Kyrgyz Republic to provide to UGNS? And if so, what is the procedure for obtaining?
CIB Ishenim does not give certificate of absence of accounts in commercial banks of Kyrgyz republic, because we do not have such information. CIB Ishenim stores information about loans, respectively, issues certificates (credit reports) on the presence / absence of indebtedness to financial and credit institutions (hereinafter FCI), which are partners of CIB Ishenim, there are more than 100.
On the procedure for obtaining a credit report, you can find here.
I have a good acquaintance, who took two years ago the credit for my name in the micro-credit campaign, I recently learned that he has not yet repaid?
Good Day!
You can get full information about the credit history at the office of CIB Ishenim. Address: Bishkek , 115-a Ibraimova st., «Dordoi Plaza» Business Center, 5-th floor. We work from Monday to Friday from 9:00 to 17:00.
In order that the specialist of credit bureau has made the search for information in a database and make it available to you, you must submit the original of your passport.
Printout of credit history in the form of a report - 50 soms.
For information call: 98 65 65
Hello, can I find out about my credit history, to whom should I contact?
For information on your credit history, you can:
• contact the office of CIB Ishenim. You should have their original passport. Address: : Bishkek , 115-a Ibraimova st., «Dordoi Plaza» Business Center, 5-th floor. We work from Monday to Friday from 9:00 to 17:00., a lunch break from 12:00 to 13: 00h.
• connect to the system I-CIB, which will provide information through internet... for more details
What if my credit history contains an error?
If you disagree with any of the information in your credit history you have the right to fully or partially to challenge it by contacting:
• The lender, which had previously provided relevant information about you to CIB Ishenim;
• The CIB Ishenim that can assist you in disputing information;
• The judicial authorities of the Kyrgyz Republic
How long does it store information?
The period of storage of positive information is 10 years from the moment of its formation, and negative information for 7 years.
How to pay for Online services (I)-CIB?
Payment for services can be made in the office of CIB Ishenim, as well as through the payment terminal "Mobilnik", by entering your personal account. You can find your personal account on the site http://online.ishenim.kg by logging into the personal account by entering your login and password
Questions of partners
Can FCI receive information about their borrowers from the CIB Ishenim database without entering into communication system?
No. Reciprocity is a strict ethical principle that all the respecting credit bureaus around the world adhere to, it is a requirement upon which credit reports from the Ishenim are received by organizations providing information. This arrangement is needed to ensure integrity in the use of the Ishenim database.
Does the provision of credit reports violate the Law "On banking secrecy"?
No. Firstly, each member of the Ishenim requires a borrower to sign the form of consent on the transfer of his information to credit bureau and its use. Secondly, the Ishenim operates on the basis of "reciprocity", meaning that credit reports are available only to members when they are considering a possibility of issuing loans. Thirdly, a credit history contains only the fact that debtor has a credit of a certain amount, but does not define creditor.
What is "consent"?
Consent is a written permission from client, provided to FCI to receive (request)/transfer (replenish) information about it to/from the CIB Ishenim. Written consent is a prerequisite for requesting and obtaining information from the CIB Ishenim.
How does the Ishenim identify the authenticity?