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 Joint Register of Bank Information and Client Information Non-Bank Register. The registers are a source of data for credit reports and this data is collected from a total of more than 5 dozen financial institutions operating on the Slovak market.

Prices start from 8 EUR* / report

Complete prices of listings can be found in Price list.

Ways you can get credit reports

  1. After logging in on the moje-financie.sk portal, you can choose the desired statement variant.
  2. You can make the payment online by credit card.
  3. After payment, you will receive your statement immediately with the possibility of previewing it in the application (after registration) or downloading it as a PDF.
  4. The statements in the app have a contextual help, or in case of questions you can contact the CRIF Client Centre operators via the portal.
  1. You can get the Credit report during a personal visit in the Client Center. You can book a time for your visit and pre-fill the application in advance HERE.
  2. Alternatively, you can fill in the application 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 credit report.

 

 

 

  1. We will send you an extract from the registers by post if you send us a completed and signed application form by post. Application forms can be found HERE.
  2. You can also complete an application for a statement in the e-shop. We will then send you the registration agreement by post and, once you have returned the signed paré of the agreement back to the client centre, we will email you the access details to the client area of the portal, where the statement will be available to you online.
  3. If you send a statement request by post, we will send you a statement by post, COD in your own hands. We only send statements to addresses in Slovakia.

 

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. Joint Register of Bank Information and Client Information Non-Bank Register 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 Joint Register of Bank Information and Client Information Non-Bank Register?

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 Joint Register of Bank Information and Client Information Non-Bank Register 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 Joint Register of Bank Information and Client Information Non-Bank Register 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.

Forms

Application for an extract from the Joint Register of Bank Information download view
Application for an extract from the Client Information Non-Bank Register download view
Application for an extract from the Client Information Non-Bank Register (legal persons) download view
Application for an extract from the Central register of executions download view
Application for registration on the portal Moje-financie.sk download view
Application for correction of information in the Client Information Non-Bank Register download view
Application for correction of information in the Joint Register of Bank Information download view
Power of attorney for an extract from the Joint Register of Bank Information download view
The Power of attorney for an extract from the Client Information Non-Bank Register download view
Power of attorney for an extract from the Client Information Non-Bank Register (Legal entities) download view