Finkarta - www.f-karta.ru - is a state-of-the-art information Service tailored to increase efficiency for all the players of the retail lending market in Russia (with other countries to join). The Service accumulates behavioral collection actions history for various delinquencies of the same private individual from all of his/her creditors. This supplementary data is of vital importance for debt collection as well as for issuing new loans from banks or micro lenders.