Central Individual Credit Register (CICR)
The Central Individual Credit Register contains information about:
- all consumer credit and mortgage loans contracted in Belgium by natural persons for private purposes and
- all defaults and delinquencies on such loans (the so-called “blacklist”).
The CICR is a tool used to combat consumer over-indebtedness in Belgium.
The staff of the Central Individual Credit Register is no longer accessible by telephone.
Consumers: My data in the CICR
Consumers can consult free of charge the data relating to them in the CICR.
Professionals: Information for lenders
Lenders are obliged to consult the CICR before extending a loan (or credit) and to notify the CICR upon the conclusion of a loan (or credit) agreement.
Professionals: Information for authorised persons
A limited number of individuals are permitted by law to consult the CICR under certain conditions, in their capacity as persons authorised to receive information (so-called “authorised persons”). This group mainly includes debt negotiators, lawyers and trustees.