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 statement from the registers then provides a list of all credit contracts based on the type of operation and their phase: from application, through rejection, appeal, existence, to termination. Individual loans are categorized by type of operation into Loans, Housing Loans, Business Loans, Financial and Operational Leases, Overdrafts and debits on the current account, Cards and revolving loans, Accounts for services, and factoring.
Following this is an overview of the ratio of obligations in the individual registers and a comparison to the previous month for Total Monthly Payments, Total Debt Amount, and Unpaid Amounts Past Due. In the joint statement from the Banking and Non-Banking Registers, these three items are calculated across both registers. For example, the total monthly payment is calculated from all loans in both the CIBR and NBCIR registers. Each item also shows the breakdown 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.
Increase your chance of getting a mortgage or loan by checking your information in Banking and Non-Banking registers and finding out 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.
