The information included in the Central Individual Credit Register (CICR) file relates to all consumer credits and mortgage loans referred to by the Law of 10 August 2001, contracted by natural persons for private purposes as well as any possible overdue debts arising from these credits.
The information included in the non-regulated registrations (ENR) file concerns only overdue debts relating to credits and financial liabilities contracted by natural persons for private purposes but which are not included in the CICR file.
Overdue debts are recorded if they meet specific criteria.
The time-limits for holding data depend on the type of data. Lenders are also obliged to report to the Central Register early repayments or the cancellation of the opening of credits and, in cases of recorded overdue debt, the change in the debt situation and the possible regularisation of the contract.
There is a series of measures in place guaranteeing the protection of privacy of a person recorded at the Central Register.
Generally speaking, the information included relates to all consumer credits and mortgage loans, contracted by natural persons for private purposes as well as any overdue debts arising from these credits.