The Bank of Russia explained some features of transferring information about a co-borrower to the credit history bureau
It is reported that subjects of credit histories who are co-borrowers have their own credit histories, which are formed according to the obligations of each of these subjects separately. When several co-borrowers simultaneously contact the source of credit history formation (hereinafter referred to as the source) in order to conclude an agreement (within one application), event 1.1 “The subject contacted the source with an offer to complete a transaction” occurs in the credit history of each of such co-borrowers, as a result of which In the credit history of each co-borrower, block FL_55 “Information on application” must be formed. In this case, according to indicator FL_55.4 “Appeal ID”, you should indicate a unique appeal identifier, the same for all co-borrowers.
If the co-borrower initially (as part of the main borrower’s appeal to the source) did not contact the source in order to conclude an agreement, information about the main borrower’s contact with the source with an offer to complete a transaction is not transferred to the co-borrower’s credit history (event 1.1 “The subject contacted the source with an offer to complete a transaction” in there is no credit history of the co-borrower in this case).