United Credit Bureau (Объединённое Кредитное Бюро)

United Credit Bureau (UCB), commonly known as OKB / Объединённое Кредитное Бюро, is one of Russia’s major credit bureaus / credit history agencies. It provides consumer credit reports, lender risk data, scoring tools, fraud prevention systems, and portfolio analytics used by banks, microfinance institutions, telecom firms, and other lenders across Russia. It is part of the infrastructure that helps lenders assess borrowers before issuing credit.

SERVICES

• Consumer credit reports: Borrower loan and repayment history.
• Credit scoring: Risk scores to support approval decisions.
• Debt-to-income data support: Used in lending affordability assessments.
• Fraud prevention tools: Identity mismatch and suspicious application checks.
• Portfolio monitoring: Ongoing borrower risk changes for lenders.
• Trigger alerts: Notifications when borrower behavior changes.
• Verification services: Customer identity and profile validation.
• Analytics for lenders: Trends, delinquency, and portfolio insights.
• Market statistics: Credit market behavior and issuance data.

Countries