Credit report

A credit report from the registers is an overview of all loans and liabilities provided to you by banks, financial institutions, and members of CIBR and NBCIR. The registers are a source of data for credit reports and this data is collected from a total of more than 6 dozen financial institutions operating on the Czech market.

Prices start from 100 CZK* / report

Complete prices of listings can be found in Price list.

Ways you can get credit reports

1. After logging in to the kolikmam.cz portal, select the type of statement you require. You can purchase it once or as part of the K365 package.
2. Payment will be made online by credit card or fast bank transfer (GP WEBPAY, PayU).
3. After payment, you will immediately receive a statement with the option of previewing it in the application or downloading it as a PDF file with an electronic signature that confirms it is an original.
4. Statements in the application have context-sensitive help, or you can contact the Client Center operators via the portal in case of any questions.

1. The fastest way to obtain a statement is a personal visit to the CRIF Client Center, where you can book a time for your visit and pre-fill the application in advance.
2. Alternatively, you can fill in the application electronically at the kiosk during your personal visit.
3. Don't forget to bring a valid ID, preferably your ID card.
4. After verifying your identity and all of your details, Client Center operators will issue you the requested statement.

 

 

 

 

  1. An application for a statement may also be submitted by sending the PDF application form by electronic mail to klient@crif.com. 
  2. The Client Center accepts electronic queries for statements that are signed using a guaranteed electronic signature that’s based on a qualified certificate issued by an accredited certification service provider.
  3. If the application sent by e‑mail does not contain an electronic certificate, then only a handwritten signature will be accepted. In this case, the statement will be sent via cash on delivery, at the expense of the applicant, in order to comply with the condition of identity verification.
  4. If you are a foreign national, the signature on the application must be officially verified.

1. If you are the owner of a data box, you can send a completed PDF query for the statement.
2. We will then send you a payment link to the email specified in the application, with postage for sending the data message added to the price of the statement.
3. After paying via the payment link, the statement will be prepared and sent to your data box.

  1. You can make a query by post for a statement from the registers. Just send the completed PDF application to the address of the Client Center.
  2. If you are a foreign national, or request that the completed statement be sent back electronically or to a data box, the signature on the application must be officially verified.
  3. If you request for the statement be sent by post, we will send it via registered mail with cash on delivery, but only to postal addresses in the Czech Republic and Slovakia (postage is charged according to current Czech Post tariffs) to verify the identity of the applicant.

 

 

A comprehensive overview of all your commitments

A report from registers contains negative, as well as positive, data on the overall payment morale and credit history of the applicant. If you are applying for a loan, financial institutions verify your credibility, check that you have provided all the information truthfully and have included all liabilities, loans, leases and credit cards that you have. It is a confirmation of your past and current financial health. If you are responsible, and pay your debts properly and on time, you have a better chance of getting a loan and probably with better terms. CIBR and CINBR also collect positive data, which makes them unique on the market. Data in the registers are kept from the moment of the loan application, for the entire duration of the loan and 4 years after termination of the contract.

Credit reports – Questions and answers

Here you will find answers to the most frequently asked questions related to Reports from registers. More detailed information can be found in our FAQ section. 

How do Credit Registers work?

In general, credit registers are databases composed of all types of clients – legal entities and individuals – citizens and entrepreneurs, who are in some way connected with the loan providers. Credit registers are designed to provide financial and non-financial institutions with the data on clients they need to provide credit and thus prevent the provision of credit to "non-performing" clients.

Registers also serve the clients themselves, especially in cases where the client has a strong payment history. Financial and non-financial institutions are then able to gain this information from the registry and accelerate the process of providing funds. In addition, clients are able to evaluate whether they can afford another loan or not due to the possibility of ordering a statement from the registers and checking their own credit history.

What is a statement from the CIBR and NBCIR?

A statement from the registries is a comprehensive overview of all credit products you draw, have drawn during the past four years or are currently applying for. It also contains information about ordinary and extraordinary instalments, as well as information on overdue instalments, i. e., repayment that failed to meet pre-agreed repayment terms and other details about the parameters of your loans or applications.

Useful data for institutions and clients

A statement from the register is a useful document for both the client and the financial institution. If you apply for a loan, financial institutions verify your credibility. They examine whether you have provided all the required information truthfully and whether you have listed all of your commitments, loans and credit cards. Financial institutions have access to your statement from the register, which contains all of this information. Statements from the CIBR and CINBR do not contain information about your income. They only have information about your liabilities.

Statements from registries serve as your memory

We are using more and more financial products – credit cards and leasing/consumer loans for the purchase of goods, as well as building savings loans and mortgages. There are often so many that we are not able to keep track of all of them. Statements from registries record this data for us.

Confirmation of financial conditions

A statement from the registry is a probe into your credit history. If it proves that you are repaying properly, and on time, you have a better chance of getting a loan than one who has repaid his obligations late or not at all. A statement from the register is proof of your payment soundness and a basis for successfully building your financial future. Be careful when working with financial institutions that do not utilize registry statements. This means they are not a participant in the CIBR and CINBR registries and do not require a statement from these registries from you. They would hardly have a serious interest in repaying their loan.

Deletion of execution from the database

Execution data are deleted from the records without undue delay 15 days after the execution proceedings have ended (by enforcing obligation, final suspension of execution, etc.), or after the bailiff learned of the termination.

Payment methods at the kolikmam.cz portal

You can pay for services in the following ways at the kolikmam.cz portal:

• Debit or credit card through the GP WEB PAY payment gateway
• Fast bank transfer with Internet banking via the PayU payment gateway (activation of services and statements from registries)
• Cash on delivery (for statements from registries)
• Push payment (when extending the activation of services)

 


Platební brána GP WEB PAY

Tato platební brána nám umožňuje nejen platby kartami (podporované typy platebních nebo kreditních karet: VISA, MasterCard, Maestro, DinnersClub), ale i push platby, které využíváme k prodloužení platnosti služeb K365 a NetAgent a především pro platby za datové schránky. Jedná se o automaticky generovaný platební link, který obdržíte emailem. 


 

Co se stane, když kliknu na platební link nebo načtu z obrázku QR kód?

Pokud se rozhodnete využít obdržený link pro úhradu výpisů zaslaných datovou schránkou či prodloužení platnosti služby, bude po kliknutí na tento link nebo po načtení QR kódu čtečkou váš prohlížeč přesměrován na platební bránu GP WEB PAY, kde můžete platbu pohodlně a bezpečně dokončit bez nutnosti předchozího přihlášení do klientské zóny kolikmam.cz. 


 

Platební brána Pay U

Pokud si zvolíte platbu přes rychlé platební tlačítko banky, přesměrujeme vás to do vnitřní internetové aplikace. Jednotlivá návodná videa pro jednotlivé banky jsou k dispozici níže.

Česká spořitelna
Československá obchodní banka
Era
Komerční banka
Sberbank
Raiffeisenbank
mBank
PayU opakované platby

pozn. Nejedná se o běžný bankovní převod. Rychlý bankovní převod znamená, že vás brána přesměruje rovnou do vašeho internetového bankovnictví, kde naleznete předvyplněné platební údaje. Banka nám potvrzuje provedení úspěšné platby v okamžiku, kdy potvrzujete platební příkaz, tedy oproti standardnímu převodu nečekáme dva dny na připsání peněz na náš účet a díky tomu vám můžeme okamžitě zprávu i zpřístupnit. Z toho důvodu jsou vypsané jen banky, které tuto formu rychlých převodů přes bránu PAY U poskytují. 


 

Nemůže se stát, že zaplatím dvakrát?

Platební link i QR kód je platný, dokud nedojde k provedení platby kterýmkoli způsobem. Dokud jako držitel karty nezadáte údaje o kartě, můžete opakovaně na link kliknout resp. opakovaně načíst QR kód.

Forms

Application for an extract of information ( individual / enterpreneur ) fill out online download view
Application for an extract of information ( legal entity ) fill out online download view
Power of attorney ( individual / enterpreneur ) download view
Power of attorney ( legal entity ) download view
Request to correct personal data ( individual / enterpreneur ) download view
Request to correct personal data ( legal entity ) download view
Application for registration in the kolikmam.cz portal download view

Reports from other registers

Financial advisors can verify their credibility with us. We also have data on loans, loan payments and instalment purchases. You can turn to us with confidence. CRIF also manages the ELIXIR Register of Financial Advisors and the Register of Payment Information (REPI). You can access reports from these registres in person at the Client Center. Application forms can be found HERE.