Home » Misc » How to tell if you have commitment issues

How to tell if you have commitment issues


16 Signs of Commitment Issues & How to Deal with Them

It’s not uncommon for people who avoid long-term relationships to hear they have commitment issues or a fear of commitment.

Many people use these phrases casually. But in reality, commitment (and the fear of it) is often quite complex.

Commitment is a broad term, but it generally comes down to dedicating yourself to something for a long time, whether that’s a job, a goal, a city, or a relationship.

The concept of commitment issues, however, tends to come up most often in the context of romantic relationships. Someone with commitment issues will often demonstrate fear or unwillingness to commit to a long-term relationship.

This typically refers to an inability to talk about the future or lack of desire to take the next steps when a relationship begins to progress throughout time. Commitment issues may make it challenging to make the relationship go forward or last.

Think you or your partner might have a fear of commitment? Here are some things to watch for:

The internet is full of compatibility quizzes, lists of relationship red flags, and so on. These can be fun — and they might even help you notice some things about yourself or your relationship.

But remember that your unique situation is just that: unique.

Lists can’t identify or take into account everything going on in your relationship, so take them (including this one) with a grain of salt.

If you do recognize some of the following in yourself or your partner, it doesn’t mean your relationship is doomed.

Finally, keep in mind that commitment isn’t the same as love. It’s entirely possible to love your romantic partner and still have trouble with commitment.

It’s not always easy to recognize when a pattern of short-lived relationships represents bad dating luck or when it indicates something more significant.

Here are some signs that may offer some clarity:

You don’t want to date seriously

Wanting to date casually and avoid serious relationships doesn’t automatically mean you’re afraid of commitment. You might have one reason for this, or you might have several.

But if you consistently feel the need to end things when relationships start moving past the casual stage, even though you like the person you’re seeing, you may have some unresolved commitment fears.

You don’t think about the future of the relationship

At some point in a relationship, most people spend at least a little time thinking about whether the person they’re dating would make a good long-term match.

If they can’t see a future, they might end the relationship and move on. But some people don’t give the future any thought at all — and they don’t want to.

There’s nothing wrong with wanting to enjoy what you have now with a partner. But a true inability or unwillingness to think about the next stage of a relationship could suggest a fear of commitment, especially if this is a pattern in your relationships.

You spend a lot of time questioning the relationship

Maybe you do think about the future of your relationship. You have strong feelings for your partner, feel connected and attached, and enjoy spending time together. Even so, you can’t stop asking yourself things like:

  • “Do they really love me?”
  • “What happens next?”
  • “Am I ready for this?”
  • “Do I want this to work?”

It’s pretty normal to ask yourself questions like these from time to time, especially if you really care about someone and don’t want to lose them.

Questioning the relationship constantly, however, to the point where it interferes with the relationship or causes you emotional distress, could suggest commitment fears.

You don’t want to make plans

Do you avoid making plans for a Friday night date until Friday morning?

Do you give vague replies like, “Maybe! I’ll let you know” or “Let me see how the week goes” when the person you’re dating tries to make plans?

Does thinking about plans you’ve already made stress you out so much that you end up wanting to cancel them?

Not wanting to make plans sometimes suggests that you aren’t really interested in the person you’re dating, especially if you’re holding out for the possibility of better plans.

But when you do like that person and enjoy their company but still feel anxious, the issue may be commitment.

You don’t feel emotionally attached

Research from 2010 looking at commitment in romantic relationships suggested that commitment is an effort to secure romantic attachment.

Furthermore, feelings of commitment can develop as a response to feelings of worry or fear over losing a partner.

If you feel securely attached and want the relationship to continue, you’re more likely to do the work required to make it last.

This effort shows your commitment and can help relieve feelings of anxiety about the relationship’s future, especially if your partner shows a similar interest in long-term involvement.

But if you don’t feel any emotional attachment to your partner, you may not care or even think much about losing them. Sure, you have a great time together, but you shrug off the thought of never seeing them again. You’re perfectly content to keep doing your own thing.

Sometimes, not connecting emotionally just means the person you’re dating isn’t the best match for you. However, if you know you want a relationship and never feel emotionally invested in your partners, consider whether commitment fears could be holding you back.

You feel uneasy or trapped when your partner shows signs of investment

These feelings may come up without you fully understanding them.

For example, when your partner says “I love you” for the first time, you might feel happy. But later, when you think about it, you begin to feel anxious and wonder what that means or what comes next.

You might also feel an urge to get away, whether you truly want to end the relationship or not.

When you’re ready for a serious relationship but your partner seems content with things staying the same, you might begin to wonder if they want the same things you do.

The following signs could suggest you’re dating someone who has some commitment fears. But it’s hard to know if these are really signs of commitment issues unless you talk to them about the reasons behind their behavior.

If you’re concerned about your partner’s commitment, an open, honest conversation is a good first step.

In the meantime, here are some signs of commitment fears in a partner:

They don’t seem invested in the relationship or you

This can show up in a lot of ways. They might know all of your friends but never introduce you to any of theirs. Maybe they tell great stories but seem less interested in talking about their emotions or daily life (or yours).

You might also notice a lack of interest in making any plans that aren’t in the immediate future.

This disinterest isn’t always obvious. For example, they might sound enthusiastic if you suggest a trip or vacation but have an excuse or schedule conflict when you try to narrow down a specific date.

It’s possible that your partner does want to spend that time with you. They might just struggle with the commitment involved.

They don’t want to talk about the future of the relationship

If you’ve been seeing someone you like for several months, you might start thinking about the possibility of a relationship developing. After all, you’re compatible, you enjoy each other’s company — so why not date more seriously?

A partner who has commitment fears may have a hard time with this conversation. They might change the subject or give vague replies when you ask how they feel.

They might say something like, “Let’s just have fun without trying to define things.” They might flat-out say they aren’t looking for a commitment.

If you’re looking for commitment, these responses often indicate that the person you’re seeing may not be able to offer what you want and need.

They have a hard time opening up or sharing deep thoughts

Emotional vulnerability typically helps people become closer.

In strong relationships, partners usually learn about each other in fairly equal amounts as time passes. You might talk about your pasts, childhood experiences, goals for the future, life philosophy, and emotions, including feelings for each other or feelings toward other people or situations.

Someone who has a hard time with commitment may not readily open up, even after months go by. Your conversations may remain casual and lighthearted, never becoming more intimate or touching on any deeper feelings or experiences.

Difficulty becoming vulnerable might mean your partner just needs time. But it could also relate to commitment fears.

They talk about the future, but their plans don’t involve you

Some people who avoid commitment in romantic relationships have a hard time making commitments in other areas of life. They might dislike the idea of feeling trapped or tied down to any one future or outcome. But this isn’t always the case.

It’s easy to feel hurt if someone you’re dating talks about a future that doesn’t seem to include you, especially if things seem to be getting more serious from your perspective.

Maybe they continue to plan trips and vacations for themselves or their friends without inviting you. Or maybe they talk excitedly and in great detail about the dream studio apartment they can’t wait to put down a deposit on.

It’s possible that they just don’t want to assume you’ll continue dating. Maybe they just haven’t given a long-term relationship much thought.

But these signs could also indicate this partner isn’t ready to commit.

They don’t reply to your messages, calls, or texts for days

If you’ve been dating someone for a while, you might start to notice a pattern in their responses. They might go silent after 8 p.m. when unwinding before bed or not reply to you at all during their working hours.

In general, it’s pretty reasonable to expect a partner to reply within a day most of the time, unless you know they won’t be available for some reason.

If you consistently don’t get replies, especially when you’re trying to make plans, or if you get half-replies that don’t fully answer your question, you might want to bring this up in person.

It’s possible your partner just doesn’t love texting. But this can also suggest emotional unavailability.

Regardless of the reason, they may not be able commit to anything more.

There are a number of factors that can cause commitment issues. These causes often include fears about the relationship, such as fear of being hurt, fear of being with the wrong person, fear of things not working out, and other relationship-related anxieties.

If someone experienced trauma in a past relationship or went through a difficult breakup, this can lead to commitment issues in the future.

Other factors can stem from the childhood experiences in upbringing and family history. These influences can shape ones attachment style. Those who are typically avoidant attached, for example, may exhibit commitment issues.

All of these different experiences and traits can influence how someone behaves in a committed relationship. This can make it difficult to tell the difference between someone who just really doesn’t want to commit and someone who’s dealing with other issues.

Issues with commitment in a relationship aren’t always a problem.

Long-term, monogamous relationships aren’t for everyone. Plenty of people live their lives, happy to stay single or date different partners, without ever getting married or settling down.

Other people are fully ready to commit to long-term involvement, just not with one person only.

Still, if you want to deepen your commitment or feel like there’s an element of fear that’s holding you back, consider these approaches:

Individual therapy

Therapy is a great place to start examining possible reasons why commitment might pose a challenge for you.

These reasons could be grounded in past relationships, childhood experiences, or your personal attachment style.

It can help to talk to a therapist if any of the above signs resonate with you. They can help you address commitment fears in an empathetic, judgment-free way.

If your fear of commitment causes anxiety or other emotional distress, therapy can help there, too.

A therapist can also offer support in one-on-one therapy if your partner’s behavior is affecting your mental health, but couples therapy could be another place to work on this.

Couples therapy

If you truly love your partner and want to make the relationship work, but something is holding you back and preventing you from taking steps toward commitment, couples therapy can help.

Intimacy and commitment aren’t the same, but they often relate to each other. People who have trouble with one might also have a hard time with the other.

A skilled couples therapist can help you and your partner navigate these challenges and begin working through them to develop a stronger partnership.

Couples therapy works well when you and your partner share similar goals for the relationship. But even if one of you wants something else, or one or both of you aren’t sure exactly what you want, couples therapy can help you explore this, too.

Talk about it

Sometimes, just putting a name to your fear can help you feel better about it. If you care about your partner but know that you have issues with commitment, try talking with them.

Let them know how you feel about them and the relationship and try to tell them exactly what it is you’re afraid of, if possible.

You might say something like, “I went through a bad breakup a few years ago, and it took me a long time to recover. I’m afraid of going through that again. I care about you, and I like where this is going, but I need more time to get used to the idea of being in a relationship.”

Practice commitment

If you and your partner both want your relationship to succeed but one or both of you have commitment fears, it can help to develop committed habits together.

Make it a habit

Try these baby steps toward commitment:

  • Spend the night together.
  • Spend a weekend together a few miles out of town.
  • Hold hands in public or around people you know.
  • Talk about things you’d like to do together in a different season and see how that feels. For example, maybe you both want to think about making some camping plans next summer.
  • Make plans together a week, 2 weeks, then a month in advance. Challenge yourself to keep those plans.
  • Look at apartments or houses together, if that’s where your relationship is headed. This can be as simple as taking a walk in a neighborhood you like and thinking about what it would be like to share that space with your partner.

If feelings of fear or anxiety come up for you as you do these, talk about them with your partner.

Look for a partner who respects your needs

If you know you need time to feel secure in a relationship, it can help to date someone who doesn’t need to spend every free evening together and who won’t press you to commit right away.

This can depend on what exactly you need from a partner, of course. But someone who leads a busy lifestyle might be a good fit if you know you need a lot of space and alone time.

If you don’t enjoy being touched constantly, a partner who’s more hands-off may be a better fit than someone who needs a lot of physical affection.

Fear of commitment is a tricky topic. A range of factors can contribute to it, and those factors can vary from person to person.

While commitment issues might make dating more difficult, they don’t make intimate, long-term relationships impossible. Things just might take a bit of extra work and honest communication.

Crystal Raypole has previously worked as a writer and editor for GoodTherapy. Her fields of interest include Asian languages and literature, Japanese translation, cooking, natural sciences, sex positivity, and mental health. In particular, she’s committed to helping decrease stigma around mental health issues.

9 Signs Of Commitment Issues & How To Deal With Them

What does it mean to have "commitment issues"?

Commitment issues—also known as commitment phobia, relationship anxiety, or fear of commitment—are when a person finds it difficult to dedicate themselves to a long-term goal in a relationship or to the relationship itself. This can apply to those already in an intimate relationship or those who may be single and getting to know someone in the dating phase.

For those in relationships, commitment issues might look like a partner rejecting an opportunity to pursue a higher level of investment in the relationship like getting married or moving in together. For people just getting to know someone in the early dating phase, commitment issues might look like having a great time together but noticing the person is reluctant to move to the next level to date seriously.

Commitment is a state or quality of being dedicated to a person, cause, or activity. In the context of the typical monogamous relationship, commitment usually means you are willing to go through the phases of a relationship together. There is a sense of progression. But a person with commitment issues struggles with this sense of dedication and taking the next steps.

Advertisement

This ad is displayed using third party content and we do not control its accessibility features.

Signs that someone has commitment issues.

While commitment issues can be complex, here are a few signs to help you recognize them within yourself or others:

  1. Avoiding making future plans with your partner
  2. Avoiding talking or thinking about the future of the relationship
  3. Serious or long-term relationships are always out of the question
  4. Lack of emotional attachment
  5. Delayed response to calls and texts
  6. Flaky or inconsistent behavior
  7. Nitpicky about small things
  8. Poor communication
  9. A history of short-lived relationships

Find your match today with eHarmony. Free to join.

Importantly, there are many people who just do not want the relationship structure that society pushes onto us, such as being in a long-term relationship, monogamy, marriage, and kids. It is not because they have commitment issues, but it is simply because they choose to live their life on their own terms. (Here are some reasons some people don't want to get married that have nothing to do with commitment issues. )

What causes someone to have commitment issues?

No two people with commitment issues will look the same because they all originate from a different place. Some people with commitment issues have experienced poor romantic relationships firsthand or have observed others in bad relationships.

Here are some possible causes of commitment issues:

Advertisement

This ad is displayed using third party content and we do not control its accessibility features.

Fear of the relationship ending without notice or signs.

If a person has experienced this in the past, they may be more cautious moving forward in relationships because they may be fearful it'll happen again, with some leaving them without notice.

Fear of not being in the "right" relationship.

A person might worry the person they're with is ultimately not "the one." Many people also enter or stay in relationships for reasons like money, children, sex, or convenience, so they don't commit at a higher level because they know this is not someone they want to be with or stay with long term.

Advertisement

This ad is displayed using third party content and we do not control its accessibility features.

Fear of being in an unhealthy relationship.

Relationships end for many reasons. However, the unknown or the fear of something bad happening can push an individual away from commitment. This may be especially true for people who've been in unhealthy relationships in the past, characterized by abandonment, infidelity, abuse, or other hurtful dynamics.

Trust issues because of past hurts by people close to them.

When someone close to you breaks your trust, it can prevent some people from ever trusting anyone else again, including their partner. They may project the last scenario onto their new partner.

Advertisement

This ad is displayed using third party content and we do not control its accessibility features.

Childhood trauma or abuse.

Unresolved trauma and abuse can rear its ugly little head at any time. It is like an open wound. Therefore, being with someone else can be a constant trigger and reopening of the wound, even when you desperately want to heal.

Unmet childhood needs or attachment issues.

Our primary caregivers are supposed to be the ones who met our needs and helped us navigate this world as successfully as possible. But many do not get the love, protection, safety, and care that they need as children, and they grow up projecting those unmet needs in romantic relationships.

Complicated family dynamics while growing up.

Family can be tough, and what we learn from our families sticks with us. Things you no longer value or do not want to uphold can take a long time (if ever) to unlearn, and commitment issues can be one way those dynamics show up in romantic relationships.

How to get over your commitment issues.

Commitment issues aren't something you can just get over overnight. Overcoming commitment issues must be intentional in order for progress to be made. In some cases, this may even be a lifelong journey, depending on the root cause of it. The key, just like with any other issue, is to acknowledge it. Stop running from it, and own the fact that you struggle in this area.

If you wish to improve in this area, you should consider the following:

1.

Talk about it.

Being honest with yourself, your partner, or even someone in your support system is the first step toward improvement. You cannot heal what you are unwilling to acknowledge. Talking to a professional and working through some of your experiences can be helpful.

2.

Learn about your attachment style.

Your attachment style, which stems from your childhood, could be a major eye-opener to the commitment issues. An attachment style is simply how you relate to others in relationships, whether you're anxious, avoidant, or secure. Learning your attachment style is vital because it typically gives you a blueprint of why you behave the way you do in romantic and nonromantic relationships. If you have an avoidant attachment style, then it makes sense that commitment would be an issue for you in general, and learning how to have a secure attachment style might be a starting place for you to heal your commitment issues.

3.

Consider couples' therapy.

If you are already in a relationship and are struggling to commit at a higher level or to a next step such as moving in together or marriage, then speaking to a professional with your partner could help you understand what's holding you back and how to get over the barrier if it's right for you. Here's our full guide to couples therapy for more info.

4.

Practice commitment in other areas of your life.

If a person is struggling with commitment in romantic relationships, they may also struggle in other areas of their life as well, such as in the workplace, at school, or with family and friends. Take notice of how you feel in those situations, and have a candid conversation with your partner.

Then, practice commitment in those other areas of your life! Learn to be more emotionally available by expressing your thoughts and feelings and working through difficult emotions within yourself and others. Keep your word when it comes to the commitments you make with family and friends. Follow through in a timely manner on your assignments at work. And don't forget to make future plans with your partner and other loved ones!

5.

Consider whether monogamy is right for you.

Long-term or monogamous relationships are not for everyone, and that's OK. Take some time to understand what you're really looking for in relationships. Here is mbg’s guide to ethical nonmonogamy, in case you're curious about what else is out there.

What to do if you're dating someone with commitment issues.

Commitment issues are not always a deal-breaker. However, if your partner isn't unwilling to acknowledge the truth and work on overcoming the challenge, it'll be hard for the relationship to last long term.

If you are dealing with someone with commitment issues, the first thing to do is determine if this relationship is for you. No matter how much you love and care about someone, a relationship should be serving your needs and progressing (if that's what you want). Ignoring red flags or deal-breakers is a sure way to end up in an unhappy relationship.

Ask your partner why they have commitment issues in the first place, and seek to understand their anxieties around commitment. Don't focus on forever but on the here and now. In other words, if you are not in the phase of getting married or having kids, then focus on your current situation and the present moment. Watch for improvements. Remember: Slow progress is still progress. If you see they are trying, acknowledge their efforts.

If there isn't any progress and you do not appear to be on the same page about the relationship's future, then this may be a relationship you need to end before one or more parties get deeply hurt.

Trust, but verify! How to find out if your counterparty is reliable | Federal Tax Service of Russia

Publication date: 09/25/2018 06:39

Companies have long been accustomed to the need to check a legal entity before concluding an agreement with it: solvency (if it is a buyer) and good faith (if it is a supplier) are usually checked. The company itself is interested in checking buyers, while checking the integrity of suppliers is dictated by possible tax risks.

Due diligence in choosing partners is one of the conditions for normal interaction.

When choosing a counterparty, one should evaluate not only the terms of the transaction and their commercial attractiveness, but also the business reputation, solvency of the counterparty, the risk of default and the provision of security for their performance, the availability of the necessary resources (production facilities, technological equipment, qualified personnel) and the appropriate experience.

The website of the Federal Tax Service has an electronic service “Business Risks: Check Yourself and Your Counterparties”, with which you can:

- get an extract from the Unified State Register of Legal Entities;

- find out if a decision has been made regarding the counterparty to be excluded from the Unified State Register of Legal Entities as an inactive legal entity;

- to determine whether the counterparty has tax debts, whether it delays the submission of tax returns for more than a year, etc. ;

- to determine whether the “mass registration” address was used during the registration of the counterparty, whether the founder and head of the company are “mass”, that is, the founders and heads of several legal entities.

It should be clarified that the location of a legal entity is determined by the place of its state registration on the territory of the Russian Federation.

"Mass address" is the address of a large number of legal entities registered at one address.

If there is a statement from the owner of the relevant real estate object (another authorized person) that he does not allow registration of legal entities at the address of this real estate object, this circumstance can be considered as providing false information about the address of the legal entity, which, in turn, , may be the basis for denial of state registration of a legal entity at the specified address.

If the founder (participant) or head of a legal entity is the owner of their residential premises, they have the right to freely use such premises as the organization's address. In this case, there may be restrictions on the pledge of real estate (mortgage) in accordance with the provisions of the Federal Law of July 16, 1998 No. 102-FZ “On Mortgage (Pledge of Real Estate)”.

If the founder (participant) or manager is a social tenant, the use of a dwelling as a legal address is possible, but only with the obligatory consent of the landlord.

Therefore, when choosing a company, you should look into the data of the Unified State Register of Legal Entities and other registers of the Federal Tax Service. The first thing to do is to look there. Now it is very easy to do it on the website of the Federal Tax Service (https://egrul.nalog.ru/). From the electronic extract from the Unified State Register of Legal Entities, you will see the current state of the company (legal entity): whether it is active, liquidated, excluded from the Unified State Register of Legal Entities. With regard to the entrepreneur, you can see if he has withdrawn from registration as an individual entrepreneur.

Be sure to look into the register of information about legal entities that have submitted documents for liquidation (http://www.vestnik-gosreg.ru/publ/vgr/), and the list of persons who can be excluded by tax authorities from the Unified State Register of Legal Entities as inactive (http: //www.vestnik-gosreg.ru/publ/fz83/).

You can also find out if the address, the head or founders of the counterparty are "mass", if the head of the company has been disqualified.

Taken together, this information will give an initial picture: whether the counterparty is “alive”, whether it has been liquidated or excluded from the Unified State Register of Legal Entities, whether it has problems with taxes, etc. Signs such as a disqualified director, a mass address, etc., may also indicate the insolvency of the company: perhaps its owners are trying to get rid of the legal entity, is the organization fictitious.

Fictitious entrepreneurship can manifest itself in the form of registration of enterprises for nominees, the creation of interdependent affiliated enterprises, the implementation of pseudo-trade, construction, provision of services, production, etc.

Fictitious firms:

1) do not submit tax reports or submit them with minimal indicators;

2) do not pay taxes;

3) do not have employees, assets, property;

4) are not actually located at the state registration address;

5) are not engaged in real business activities;

6) write off the funds received under contractual obligations on the same or the next day in practically the same amounts to the accounts of other one-day firms with the subsequent withdrawal of funds through a chain of one-day firms to offshore jurisdictions or withdrawing them in cash;

7) are managed by a leader who is a "mass" director and founder, i.e. repeatedly legally registered in the named statuses in other firms.

The institution of a legal entity is enshrined in legislation for the realization of legitimate purposes.

The creation, as well as the management of a large number of legal entities by one individual, as well as registration at a mass address, may indicate the fictitiousness of these organizations.

For example, at present, numerous legal entities are being created on the territory of the Republic of Buryatia, the founders of which are citizens of the Mongolian People's Republic. Legal entities are created to distribute Amway products contrary to the Amway Company Policy on the distribution area of ​​the company's products, which can be considered as an imaginary transaction made only for appearance, without entailing legal consequences.

Therefore, there are currently many tools for checking company details.

Note that the legal regulation is aimed, among other things, at ensuring confidence in the information contained in the Unified State Register of Legal Entities by third parties and at ensuring the stability of civil circulation.

Share:

How to fix your credit history: all free and legal ways

For life

Small business

Bad credit history is one of the most common reasons for a bank to refuse a loan. It can be bad even if you have never taken out a loan in your life. How to fix a credit history and how not to spoil it again - we tell in this article.

Apply for a loan

What is a credit history

The credit history of an individual is a record of all loans and loans issued in his name, including those executed on time and overdue. A credit history (CI) is formed on the basis of data reported by banks, microfinance organizations, collection agencies, pawnshops, investment companies, commercial organizations and authorities and changes without notifying the individual himself.

The CI reflects:

  • information on the availability of credit cards and debit cards with an overdraft, current and closed debts on them, the presence of delays debts and delays, if any
  • judicial recovery in cases of alimony, debts for housing and communal services, as well as those related to compensation for damage in favor of third parties and organizations
  • sold to debt collectors

The procedure for the formation, storage and protection of credit histories of citizens of the Russian Federation is regulated by the Federal Law "On Credit Histories" of December 30, 2004 N 218-FZ, the last edition was published on July 31, 2020. Credit histories of citizens are stored in the Bureau of Credit Histories, the register of which is available on the website of the Central Bank of the Russian Federation, and cover a period of 10 years. From January 1, 2022, the retention period for credit histories will be reduced to 7 years.

How to find out your credit history we told in a separate article

How your credit history “spoils”

Changes in your credit history are directly related to the presence of debt obligations and their performance. The deterioration occurs both through the fault of the individual himself, and through the fault of the bank or as a result of fraudulent activities. Let's consider these reasons in more detail.

Due to the fault of the borrower

The rating of a potential borrower will be downgraded if it has been for the last 10 years:

  • Allowed delinquency on loans and borrowings . What matters are actual delays, when the delay in payment occurred due to the fault of the borrower, and technical delays related to the delay in crediting funds to the account due to failures in the bank's program.
  • Often applied to microfinance organizations . This indirectly indicates an unstable financial situation and the need for external sources of funds, including to pay off the main loan from the bank.
  • Has a lot of refusals on applications for loans in different banks . Each refusal has a reason, and if the reasons are not eliminated, each new appeal will lead to a new refusal and make CI worse.
  • Has unpaid judgment debts . Regardless of whether you pay your debts on time or have delays, claims may be a marker of non-fulfillment of some obligations - for example, to pay utility bills or rent, which reduces your reliability.
  • Didn't take loans, didn't use a credit card, and didn't even apply . On the one hand, this may indicate a stable financial situation - a person simply does not need borrowed funds. But on the other hand, it may be a consequence of young age, the lack of a permanent place of registration and work: an individual understands that they simply will not be given a loan or a card and therefore does not apply to a bank.

Due to the fault of the bank

A credit institution is obliged to transmit information about all financial events under loan agreements within up to 5 working days. Incorrect display of information is due to the fact that:

  • An error was made during data transfer . In the event that this process is not automated, and bank employees manually record each operation, there may be typos, errors, and violation of the deadlines for providing information.
  • Information not transmitted at all . The reason may be a human factor, software failure, illegal actions of the creditor.
  • Borrower was credited with other people's debts . This happens when the name, surname and patronymic, the region of residence completely coincide.
  • Technical delays . Delays in crediting funds to a credit account due to malfunctions in the bank’s equipment, technical work on the website, errors in the mobile application, due to which the timely sent payment did not arrive on the day of departure.

Impaired CI due to scammers

Personal data leaks come from various sources and you may not be aware of it. Changes in credit history may occur if:

  • You lost your passport and someone tried to get a loan in your name . Even if a loan is denied, information about the request is reflected in the CI and worsens it.
  • You succumbed to the tricks of scammers and voluntarily transferred personal data . A common example is the issuance of a credit card in someone else's name by telephone scammers and debiting money from it.
  • Someone took out a loan or microloan in your name and received funds . Your debt is growing, perhaps fines are accrued, the story is getting worse.

How to understand that a mistake has occurred

Monitoring your credit history is the only way to find out about mistakes. According to Federal Law No. 218, any citizen can check his credit history twice a year for free at each credit bureau. Subsequent checks are provided for an unlimited number of times for a fee. If your history is stored in two BCIs, you can get four free reports. However, there is a difficulty: creditors themselves can choose which BCI to transfer information to, and if you have several loans, information about them can be stored in different bureaus. The same thing happens with inaccurate data: erroneous information can be in only one bureau, or in all, depending on where they were transferred.

In order not to waste free access to CI, you can check your credit rating.

A credit rating is an assessment of a borrower in points, which is similar to the bank scoring technology used by financial institutions to assess the reliability of a client. A personal credit rating is based on information from a credit history and reflects all changes in debts that are transferred to this bureau. You can also check whether your rating is bad or good on the BKI website or in your bank for free. From January 1, 2022, the Central Bank of the Russian Federation is planning changes in the rules for forming a credit rating. The main innovations will be the introduction of a unified PKR scale and a reduction in the number of free checks to two per year for each of the service providers.

Raiffeisen Bank offers a free credit rating check for each client once a month. You can request your RCR, and if its value has decreased, this may indicate critical changes in your CI that require your attention. To do this, you need to increase the level of your financial discipline, if this is the reason, or find factual errors and eliminate them. Consider ways that will help in correcting your credit history and increase your chances of getting a loan approved.

Correction of factual errors

Factual errors include those that have documented evidence of incorrectly reflected information. If you notice a delay in payment in your report that does not exist, you must submit an application to the CBI that generated this report and attach reasons for deleting incorrect CI records.

Such grounds may be:

  • bank certificate of absence of debts
  • executed payment orders or receipts with the date of payment
  • account statement for the period, certified by the bank

Based on your application, the CBI make a request to the bank and make adjustments within 30 days. If after this period the incorrect information is not deleted, request a written clarification on this issue. All appeals can be submitted from your personal account on the BKI website or sent by registered mail.

Disputing loan agreements that you have not entered into

If your credit history contains information about loans issued that you did not draw up, you must apply to the bank.
When submitting an application, you can request the removal of obligations to pay the debt, as well as the deletion of the record of this loan in all credit bureaus.

It is difficult to prove that you did not enter into a loan or credit card agreement. If the agreement is drawn up on an invalid passport, the organization that issued the loan is responsible for this. This is defined in the Directive of the Bank of Russia dated January 21, 2014

If the full data of your valid passport, which was not stolen and not invalidated by the deadline, is provided, you must request the original contract and identification information to it, for example, a photo of the borrower or a copy of the passport that the bank makes when signing. The procedure involves access to personal data, you may need the assistance of a lawyer.

Pay off existing debts

A simple and logical way to increase your creditworthiness as a borrower. Evaluate your loan portfolio, combine small debts into one, if you have several credit cards - leave only one, pay penalties, fines and try not to overdue in the next 12 months.

Banks do not provide precise information on the decision-making procedure for loan applications. But based on the requirements of banks for borrowers on work experience for individuals of at least 12 months and at least 3 years for businessmen, we can conclude that banks evaluate the financial situation of a potential borrower for the last 1-3 years.

Credit cards and installment cards

These financial instruments will help increase a borrower's bad rating. You can get a credit card with a minimum limit with small incomes, and in some banks - only with a passport. Credit cards have an interest-free period and allow you to pay for purchases online and offline without commission.

By repaying a credit card within a grace period, which can be 100 days or more, you form and correct your bad CI rating without delinquency and with an even use of borrowed funds.

Loan refinancing

Loans issued more than 3 years ago can be refinanced on new terms. When refinancing, you can add a co-borrower or introduce a guarantor, combine several loans into one, get a lower rate, reduce the monthly payment, increase the repayment period. It is also possible to completely close the current loan, including debts and penalties, which will put an end to bad credit history. The main thing is to avoid delays in new obligations.

Restructuring

Changing the terms of payments on current liabilities. If you can’t cope with financial obligations, your life circumstances have changed - you fell ill, a child was born, you were left without work - write an application to the bank without waiting for delays so as not to spoil the CI.

Consumer loans

A small consumer loan is similar in efficiency to a credit card. Issue it in the bank on whose card you receive your salary: it is easier to get approval, and the information will still go to the CBI and improve the information about you available to all banks.

Deposit

Opening a deposit, a deposit or an individual investment account with a positive balance, the activity of which is maintained for a year or more, allows you to improve your credit history, spoiled by delinquencies on closed and current loans.

Can I reset my credit history?

You can reset the IC only if you pay off all existing debts, do not take new loans, do not have other debts in relation to third parties and organizations over the next 7 years. Exactly 7 years after the last record of financial events, it will become zero.

It is impossible to withdraw information from the CBI under the law on the protection of personal data. The Supreme Court of the Russian Federation in Ruling N 82-B11-6 of March 27, 2012 clarified that the subject does not have an unconditional right to withdraw his personal data, and the features of processing this data may be regulated by federal law for certain purposes. In addition, the Law "On Credit Histories" does not provide for the subject to withdraw information from the CBI.

Is this page helpful?

99% of customers find the page useful

+7 495 777-17-17

For calls within Moscow

8 800 700-91-00

For calls from other regions of Russia

Follow us on social networks and blog

20223 – © 2 Raiffeisenbank

General license of the Bank of Russia No. 3292 dated February 17, 2015

Information on interest rates under bank deposit agreements with individuals

RBI Group Code of Corporate Conduct

Corporate Information Disclosure Center

Disclosure of information in accordance with the Instruction of the Bank of Russia dated December 28, 2015 No. 3921-U

Learn more