Don’t you have an overview of all your loans?

It's quite common for people to forget about their obligations. In the best case, they'll remember their forgotten debt when applying for a new loan; in the worst case, only when the bailiff comes knocking. If you haven't been meticulously keeping track of your obligations so far, it's not easy to get a clear picture of your current situation. Just imagine having to call all the financial institutions you've ever borrowed money from! And of course, we're not just talking about large loans that you probably remember, but also about electronics on installment plans or credit cards. Regularly check your registry statements. Be careful! It's not enough to just keep an eye on loans directly in your name, but also on loans where you act as a guarantor. If the person you're guaranteeing for can't make the payments (due to long-term disability, injury, and so on), then the debt shifts to you. Be very careful about who you guarantee for and stay informed about their repayment status.

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Report from CIBR

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Check your data regarding credit products and their repayment progress with banking institutions in the Banking Register.

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