Who is listed in the bureaus?

In CIBR/NBCIR, both individuals (citizens and self-employed individuals) who have or have had any loan product with a financial institution that is a participant in the CIBR/NBCIR registries, are listed. It also includes individuals who are currently applying for a loan product and have not yet entered into a loan agreement.

Banking Client Information Registry (CIBR)

The Banking Client Information Registry (CIBR) maintains a database of contractual (credit) relationships between banks and their clients. CIBR displays information about clients that reflects their creditworthiness and credibility, including details about the overall credit engagement of the client, utilization of individual credit products, and the payment behavior of the client. CIBR contains both positive and negative information, providing banks with comprehensive credit histories of their clients. This, in turn, enables clients to build their own credit history. With the positive information in the registry, banks can better evaluate the potential risk of over-indebtedness for clients applying for new credit. The Banking Client Information Registry is operated by SBCB – Slovak Banking Credit Bureau, s.r.o. For more information, visit www.sbcb.sk.

Non-Banking Client Information Registry (NBCIR)

The Non-Banking Client Information Registry (NBCIR), operated by the association NBCB – NBCB – Non Banking Credit Bureau, ZZPO, manages a database of client credit products from leasing companies, companies providing consumer and other loans, and factoring companies. Users of the Non-Banking Registry can verify the creditworthiness of their clients, for instance, whether a client repays their obligations on time and in good order. NBCIR contains information about contractual relationships between lending entities and their clients, which determine creditworthiness, trustworthiness, and their payment behavior. This includes details about credit products (accepted and rejected), the amount of the loan, and repayments, as well as whether the client's obligations are met properly and on time. For more information, visit www.nbcb.sk.

You might be interested

Joint report CIBR+NBCIR

12 EUR/report

Increase your chance of getting a mortgage or loan by checking your information in Banking and Non-Banking registers and finding out your rating.

Report from CIBR

8 EUR/report

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

Report from NBCIR

8 EUR/report

Check your information about financial obligations and the progress of their repayment with companies in the Non-Banking Register.

An online account gives you quick access to all services

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.