FAQ
The statement from the registers is a comprehensive source of information containing both negative and positive data regarding an individual's overall payment discipline and credit history.
The statement from the registers begins with identification data – for non-business individuals, this includes PERSONAL INFORMATION: name, surname, address, personal identification number, and date of birth. The identifiers also include a code assigned to the subject in the register. If the subject is a business entity, the identification data is supplemented with a company identification number (IČO) and a tax identification number (DIČ).
The summary overview is an introductory page that is part of the Detailed credit report and summarizes basic details of obligations from the CIBR and NBCIR, the REPI, and verification of existing records in the ISIR and CDR public registers.
The Detailed credit report continues by listing all credits by type of operation and their phase: from application, rejection, recall, existence, to termination.
Individual loans are divided by type of operation into Loans, Housing Loans, Business Loans, Financial and Operational Leasings, Overdrafts and Current Account Debts, Cards and Revolving Loans, Accounts for services, and Factoring.
The following is an overview of the ratio of liabilities in individual registers and a comparison with the previous month for Total Monthly Repayments, Total Debt Amounts, and Outstanding Amounts after Due Date. In the Detailed credit report, these three items are calculated over both registers, i. e., for example, the total monthly payment calculated from all loans in the CIBR and NBCIR. For each item, you can also see the distribution of how much of that amount is in the Banking or Non-Banking Register.
All loan amounts are always listed in the national currency.
In the next section, details of each individual contract or loan are provided. The details of each type of loan first display items that are current for the given month. For example, the amount of the next installment as of the statement date, the number of remaining installments, and others. Among these items are also so-called maximum calculated items, such as Maximum Unpaid Amount or Worst Status. These values are calculated from the entire history of the contract.
Below this list, there is a table with the repayment profile. The repayment profile provides a detailed description of the last 24 months, such as the trend of the remaining installment amounts in individual months. At the level of each month, you can also see the Unpaid Amounts Past Due if the client did not meet their obligations on time.
The last section provides an overview of all applications made by the client and their role in them. This includes whether the client applied for a loan themselves or played a role as a guarantor or co-applicant. It also includes applications that were rejected by the financial institution or those that the applicant withdrew themselves. In the rejected and withdrawn phases, the applications are displayed on the statement for an additional 12 months or 6 months for applications in the Non-Banking Register.
At the end of each credit report, there is a brief explanation of the statement details, followed by contact details of the registers' Client Center, where you can reach out in case of any questions or requests for corrections. Links to the information memoranda of the individual registers are also included.
Get a detailed overview of all liabilities in the registers and public databases, creditworthiness assessment, and notification of any changes. A Detailed credit report 4 times a year included.
Increase your chances of being granted a mortgage or loan by checking your records, public registers, and getting your rating.
Check your data regarding credit products and their repayment progress with banking institutions in the Banking Register.
Check your information about financial obligations and the progress of their repayment with companies in the Non-Banking Register.
You will have online access to all listings and services after registering at the portal. Everything can be carried out easily from the comfort of your own home or office.
