Tinkoff brewery was created in 1998.

Chex Systems is a credit reporting agency. Unlike Trans Union and Experian, who report on consumer credit, Chex Systems reports on mishandling of bank accounts.

There are currently three major credit monitoring systems. These credit monitoring systems are Experian, Trans Union, and Equifax. These services monitor credit related items and report to banks and lending facility about a person's credit history.

Your credit history is simply the period of time you have had open lines of credit. Say you had five credit cards and you kept them each for exactly one year and then closed each of them. You would have five credit years of history but most scoring systems would see that as one year of credit history. If you had one credit card account for one year and another for the subsequent year and so on for five years, you would also have five years of credit history, but, again, scoring systems would still see that as (more or less) one year of credit history. Now, if you had one credit card for five years, then the scoring systems would definitely see that as five yeas of credit history.

So, creditors and scoring systems look at how long you have maintained each line of credit and the longer the better.

A score of 636 in most credit scoring systems would be considered below average.