United Credit Bureau

What United Credit Bureau does

United Credit Bureau (ОКБ / Объединенное Кредитное Бюро) is one of Russia's three largest credit bureaus, founded in 2004 and headquartered in Moscow. The company operates a national-scale credit data platform that aggregates credit histories from 600+ financial institutions — including Sberbank, the largest contributor — covering 91+ million citizens and 593+ million credit records. OKB is registered as a qualified credit bureau in the Central Bank of Russia's state register (No. 077-00009-002) and holds FSB and FSTEC information security licenses.

The company's core technology is a multi-generational proprietary scoring stack (Gen5, Gen6, Gen7) for probability-of-default prediction across consumer loan products, combined with anti-fraud, identity verification (IDV), daily credit-history triggers, a Navigator recommendation engine, collection and CRM scoring, and a Business Scoring service that joins OKB data with SPARK-Interfax for SME risk assessment. B2B products are delivered via real-time API or batch WebLink; the Cridstory consumer sub-brand (launched 2021 at credistory.ru) delivers credit reports, 1–999 credit ratings, loan matching, an MFO microloan marketplace, and subscription-based credit monitoring to individuals via Gosuslugy, Sber ID, and Tinkoff ID.

OKB generates revenue from usage-based B2B credit reports and scoring queries, B2B data transmission and analytics subscriptions, regulated B2C credit reports (free twice per year under Russian law; 600 RUB per additional report), B2C subscription monitoring, and affiliate referral fees from its Cridstory MFO marketplace. The technology partner is Experian, and OKB is embedded in the Sberbank ecosystem, with Sberbank Online serving as a consumer distribution channel and Sberbank's credit data as a primary input to the bureau's database.

Name

United Credit Bureau

Legal name

Акционерное общество «Объединенное Кредитное Бюро»

Website

https://bki-okb.ru

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

United Credit Bureau (ОКБ) is a top-3 Russian credit bureau founded in 2004, operating a national credit data platform covering 91+ million citizens and serving 600+ banks, MFOs, insurers, and collection agencies with proprietary PD scoring, anti-fraud, and analytics products, plus the Cridstory consumer platform.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450), Credit Bureaus (56145), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit & Underwriting Data Services (alt data feeds, affordability, bureau augmentation) (FSAGACAH), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Credit bureau services
• Credit risk scoring
• Credit reporting
• Fraud prevention
• Financial data analytics

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. B2B Credit Reports & Scoring (API): Corporate clients (banks, MFO, collection agencies, insurance companies) access credit reports, scoring services, and analytical tools via API or batch WebLink. Revenue is generated per query/request based on usage volume.
2. B2B Subscription / Data Transmission Services: Information exchange services with major market participants and special access conditions to OKB services. Corporate clients pay for ongoing data provision and analytical service subscriptions.
3. B2C Credit Reports (Consumer): Consumers can obtain credit reports free of charge twice per year as mandated by Russian law. Additional reports are available for a fee (600 RUB). Revenue from B2C credit report fees.
4. B2C Credit Rating Monitoring Subscription: Subscription service for notifications about changes in credit history for consumers who want to monitor credit, improve credit history, and protect against fraud.
5. Affiliate / Referral Fees from MFO Marketplace: The microloan marketplace on the Cridstory platform refers consumers to MFO partners. Revenue is generated through affiliate referrals when consumers apply for microloans through the platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

United Credit Bureau (OKB) operates one of Russia's three largest credit bureaus, maintaining credit histories from 600+ financial institutions (including Sberbank) covering 593+ million credit records and 91+ million citizens. For corporate clients (banks, MFOs, collection agencies, insurance companies, marketplaces) it delivers B2B credit reports, proprietary PD scoring models (Gen5/Gen6/Gen7), anti-fraud, IDV, triggers, CRM/Collection scoring, benchmarking analytics, business scoring (with SPARK-Interfax), Navigator recommendations, debt exchange, and data transmission services via API and WebLink. For individual consumers it operates the Credistory (Кредистория) platform providing credit history checks, credit ratings (1–999 scores), loan matching, credit monitoring subscriptions, a credit calculator, a personal bankruptcy consultation service, and self-restriction on credits.

Product overview

Объединенное Кредитное Бюро (ОКБ / United Credit Bureau) operates as a unified platform-plus-modules architecture serving both individual consumers and corporate clients (banks, MFOs, collection agencies, insurance companies, marketplaces). For individuals, the core offering is the Кредистория sub-brand platform providing credit history reports, credit ratings (scores 1–999), loan matching, and subscription monitoring, supplemented by a credit calculator, microloan marketplace, credit card marketplace, and a personal bankruptcy consultation service. For corporate clients, the portfolio is organized around a credit data and analytics core, delivering B2B credit reports, PD scoring models (Gen7/Gen6/Gen5), business scoring (with СПАРК-Интерфакс), CRM and Collection scoring, insurance scoring, benchmarking and analytics, anti-fraud solutions, IDV verification, triggers (daily monitoring), Navigator (recommendation engine), debt exchange, and data transmission services. Access is via online API or batch WebLink queries. The company holds qualified credit bureau status in the Russian Central Bank registry, operates within the Sber ecosystem, and is certified to ISO 27001/27002/13335 standards with FSB and FSTEC licenses for information security.

Differentiator

Problem solved

Functional benefit

Products and services

• Credistory (Кредистория) Consumer-facing online platform (credistory.ru) launched in 2021 for individual Russian citizens to manage their financial reputation: credit history checks, credit ratings (1–999), personalized loan matching with approval probability, subscription monitoring of credit history, microloan/credit card marketplace matching with MFO partners, self-restriction registration, and access via Gosuslugy, Sber ID, or T-ID.
• Credit History Report (Кредитная история) Comprehensive credit report for individuals containing all open and closed loans, payment behavior, credit inquiries, and overdue records. Available free twice per year under Russian Federal Law 218-FZ; additional reports available for 600 RUB (580 RUB via Sberbank Online); delivered within 1–3 business days; rating updates daily.
• Credit Rating (Кредитный рейтинг) Individual credit rating score from 1 to 999 reflecting borrower reliability. Higher scores indicate better creditworthiness; banks use this metric to make lending decisions; updates daily.
• B2B Credit Reports (Кредитные отчеты B2B) Credit reports for corporate clients (banks, MFOs, collection agencies) providing payment behavior and credit burden information for borrower risk profile assessment. Includes title section (personal data), main section (credit contracts, payment discipline, individual subject rating IRS, average monthly payments), and information section (credit applications and decisions).
• PD Scoring on Internal Data (Скоринги PD на внутренних данных) Standard analytical tools for estimating probability of default at the credit application stage. Includes Gen7 models for specific products (personal loans, credit cards, installment cards, short-term loans up to 15K RUB, long-term loans up to 100K RUB, secondary automobiles, mortgages), Gen6 and Gen5 client-level models with revolver/non-revolver splits, credit load index model, and MFO-segment models.

Quantifiable outcome

• 97% system effectiveness rate
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability5 records

Feature10 records

Partnerships

Five partnerships are on record, tiered strategic and core.

• Объединённая Лизинговая Ассоциация (ОЛА) - United Leasing AssociationstrategicStrategic or Co-development Partner · 30 January 2024OKB and ОЛА signed an agreement to develop a digital inter-leasing platform for fraud prevention based on OKB's technological infrastructure. ОЛА provides risk factors, indices, and client identification mechanisms; OKB provides expert support and technological implementation. The platform will be accessible to ОЛА member leasing companies for portfolio risk management.
• Sberbank (Сбербанк)coreTechnology or Integration · 1 January 2004Sberbank is both a key data contributor and ecosystem partner. OKB stores credit histories from Sberbank and provides credit reporting services. The Cridstory platform integrates with Sber ID for consumer authentication. Sberbank distributes OKB credit reports through Sberbank Online.
• СПАРК-Интерфакс (SPARK-Interfax)coreTechnology or IntegrationOKB's Business Scoring service combines OKB's credit data with SPARK-Interfax data for comprehensive credit risk assessment of small businesses. SPARK-Interfax provides business entity information that complements OKB's individual credit data.
• Gosuslugy (Госуслуги - State Services Portal)coreTechnology or IntegrationOKB is one of four qualified credit bureaus that receive self-restriction applications from Gosuslugy. Gosuslugy is the primary channel for citizens to establish or remove self-restrictions on consumer credit. OKB is integrated into the Gosuslugy system for identity verification and credit history access.
• Tinkoff Bank (Тинькофф Банк)coreTechnology or IntegrationOKB's Cridstory platform allows consumers to authenticate using T-ID (Tinkoff ID), enabling Tinkoff Bank customers to access their credit history through the Cridstory platform.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• NBKI (National Bureau of Credit Histories / Национальное бюро кредитных историй): Russia's largest credit bureau and OKB's primary domestic competitor. Both collect credit histories from Russian lenders, generate scoring models, and serve banks, MFOs, and insurers — directly competing on data scale, scoring accuracy, and enterprise clients in the same regulatory regime.
• Equifax Russia: Global credit bureau with Russian operations providing consumer credit reports, scoring, and fraud solutions to Russian lenders. Directly comparable as another qualified Russian credit bureau serving overlapping bank, MFO, and insurance customers.
• CRIF Russia: Italian-headquartered CRIF operates a Russian credit bureau business offering credit reports, scoring, and business information; directly comparable product mix and similar enterprise go-to-market against banks and MFOs in Russia.

Broad incumbents

• Experian: Global credit bureau and OKB's stated technology partner, providing enterprise risk-management, credit reporting, and analytics at global scale. Comparable in core bureau/scoring capability but operates across many geographies versus OKB's Russia-only footprint.
• Equifax: Global credit bureau providing consumer and business credit reports, scoring (FICO-adjacent models), fraud, and analytics. Same core bureau business model and scoring methodology as OKB but at multinational scale with broader data assets.
• FICO: Global analytics and credit scoring company whose credit scores underpin lending decisions worldwide. Comparable to OKB's Gen5/6/7 PD scoring models as an industry-standard risk-modeling vendor serving banks and consumer lenders.
• LexisNexis Risk Solutions: Provides credit risk, fraud, identity verification, and compliance data to lenders globally. Closely comparable to OKB's anti-fraud (Antifrod), IDV, and triggers services as a risk-data aggregator serving enterprise credit decisions.
• Dun & Bradstreet: Global business credit reporting and analytics provider. Directly comparable to OKB's Business Scoring product with SPARK-Interfax, serving SME credit risk assessment for banks and B2B lenders.
• TransUnion: Global credit bureau offering consumer and business credit reports, scoring, fraud, and analytics. Closely comparable to OKB in core bureau capabilities — credit reporting, PD scoring, anti-fraud — but operating at multinational scale.

Others

• SPARK-Interfax: Russian business information and analytics provider; OKB's integration partner for Business Scoring. Not a direct competitor but a complementary data provider whose SME data feeds OKB's small-business credit-risk products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/united-credit-bureau

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Credit Bureau