The Central Bank of Russia published its review of the credit information system for the first half of 2026, showing increased bank demand for credit reports but a shift toward credit scoring among microfinance organisations. Banks received 18% more reports from credit history bureaus (CHBs) than in the first half of 2025, requesting them more frequently to assess potential clients’ solvency and debt burden. Microfinance organisations requested fewer reports while making greater use of credit scoring.
Household demand for CHB services was broadly unchanged from a year earlier. Individual credit ratings remained the main focus, accounting for more than half of all requests to CHBs.