The database of all types of clients, citizens and entrepreneurs, legal entities and individuals somehow connected to any loan granted, is the register of debtors. In short, we can say that it is a credit register. You can find there both those who do not repay their debt and those who repay their credit properly.
Which debtor registers are used in the Czech Republic?
The general principle of the debtors’ register is to collect information from creditors and make it available to other creditors. The operators of these registers are associated in the pan-European organisation ACCIS. In the Czech Republic, there are several bank and non-bank registers, which can be divided into positive and negative registers according to the nature of the information.
The Positive Register collects information on clients who meet their obligations properly, which enables them to obtain better loan terms. It also protects clients from over-indebtedness.
The negative register contains information on clients who do not fulfil their obligations properly and on time. This includes, for example:
- The CNB’s Central Credit Register, which collects information on the credit and payment behaviour of legal entities and natural persons entrepreneurs. It is non-public and only Czech banks and foreign banks operating in the Czech Republic can access it.
- BRKI (Banking Register of Client Information), whose task is to exchange data on the creditworthiness, credibility and payment capacity of clients.
- SOLUS (Consumer Leasing and Loan Protection Association), which brings together a large number of institutions ranging from banking and non-banking companies to energy suppliers and mobile service providers.
- NRKI (Non-bank Register of Customer Information).
How do I get an extract from the debtors’ register?
The records on the debtors’ register remain for some time, so if you want to check whether you have a record on the register, just request an extract from the debtors’ register. As far as SOLUS is concerned, you can request a statement for a fee by electronic form, paper form or request a text message statement.
Do you need an extract from BRKI and NRKI? Both registers are operated by the same company, so you can obtain an extract by filling in one form, either in writing by post, online or in person at the client centre.