Importance Over ten-year development of the institution of credit histories suggests that the credit history becomes, in fact, the citizen's second passport. The events in the financial market at the end of 2014 and high level of household debt load clearly demonstrate that a good credit history creates favorable opportunities for the lending institution's operation in many areas. Objectives The aim of the study is to review the institution of credit histories, define its development trends and prospects in the current socio-economic situation. Methods The study rests on the analysis to identify basic trends and areas of the institution's development at the present stage. Results A credit history is a means of assessing the risk of non-payment of loan amount by the borrower. Therefore, there is a trend in banks' desire to obtain extensive information about their customers to the highest possible extent. The actors that form the content of the credit history are also developing. A complete credit history enables to make a comprehensive assessment of solvency and integrity of the borrower. Conclusions and Relevance The revealed trends and areas of development of the institution of credit histories help assess the scope and impact of the credit history in various sectors of activity of legal entities and individuals.
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