A positive and negative credit reporting system, or credit bureau, is simply an electronic archive that collects data about loans that have been applied for or obtained by private individuals and businesses from banks and financial institutions. This is credit requested for the acquisition of consumer goods or a house, for business activities, or for personal reasons.
It is important to note that the CRIF Credit Protection Bureau:

• is not an archive of delinquent borrowers or a black list, since over 95% of the parties listed in the system have been regular in their loan payments: so one can clearly see that that being listed in our database does not imply in the least that you are a bad borrower!
  
• it does not contain information about dishonored checks or drafts or information from courts and land registries.
  The information in the credit reporting system is sent to CRIF by banks and financial institutions that belong to the EURISC network, who are also known as credit bureau subscribers.

These banks and financial institutions can consult such information only for purposes related to credit protection and reduction of credit risk. Therefore, data may be consulted:

• when the bank or financial institution must evaluate a credit application
• during repayment of a loan.

This page provides you with further information about the CRIF Credit Protection Bureau, and to find out more, we suggest that you read the FAQ section of the website.
If you would like to directly access your data in EURISC, the CRIF credit reporting network, please refer to the section Data access.
If you need assistance, we suggest that you contact the consumer associations that have signed agreements with CRIF, listed in the section Consumer Associations