+420 844 111 777 klient@crif.com

Reports and Services

We provide you with reports and services from the Non-Bank Client Information Register (NBCIR), including the exercise of rights in accordance with the GDPR, in cooperation with CRIF – Czech Credit Bureau, which operates the Client Center of the Registers and the e-shop kolikmam.cz.

Reports and Services

You can get reports and services quickly and easily at the e-shop kolikmam.cz. You can verify your identity when making online purchases thanks to BankID. CRIF – Czech Credit Bureau operates a web portal klient.kolikmam.cz for registered users. After logging in, you can purchase products and services without identity verification, gain access to your purchased statements, invoices, notifications of subscription services, and send online requests to the Client Center.

You can also obtain information about your personal data in the registers in the form of a Copy of processed personal data. For unambiguous identification of the applicant, enter all required identification data in the form. The options for exercising rights in accordance with the GDPR are described in detail on the GDPR page.

Ten principles
for responsible borrowing

1

I don’t borrow for unnecessary things

I always have to think about whether I really need the product or service I want to buy with a loan right now. The simple rule is that I may want something with my own money, but I must need it with the money I borrow.

2

I don’t overpay for life

I don’t buy any product/service on credit that I will be paying off beyond its useful life. If I buy a week’s holiday, I shouldn’t have to pay it off for a whole year.

3

I don’t risk bankruptcy

It is essential to build up reserves for “rainy days” and to think that it could always be worse. If I’m considering a loan, I first need to calculate how much I can spend per month on repayments given my financial situation.

4

I don’t trust everyone

I need to think carefully about which company I can borrow from. Nowadays, almost anyone can offer and provide loans. Companies that do not check their applicants’ credit records compensate for the risk by the amount of interest they charge and other penalties.

5

I’m not rash

I always choose the most advantageous loan from those offered. I always have to compare offers from different providers. I certainly do not choose the first option that is presented to me.

6

I don’t compare only the interest

When I take out a loan, I do not choose the lowest interest offer, I have to consider all other fees such as loan administration fees, closing fees or any penalties. It is important to compare APR rates and the total amount I will pay.

7

I don’t sign unknown

I always read the contract and loan terms in detail, including any penalties or fines. I do not sign anything I do not understand. If necessary, I will seek professional advice.

8

I don’t just think about the present

I always repay my debts properly and on time, thereby building a positive credit history for the future. If necessary, I will insure myself against future default.

9

I don’t borrowing for a loan

If, despite all precautions, a situation arises where I am unable to repay a loan, I do not borrow additional money to settle the debt. I try to arrange a solution directly with the lender who made the original loan.

10

I don’t believe in miracles

If a “reputable” financial institution rejects my loan application, I need to rethink my own economic situation. By doing so, the financial institution is not only protecting itself, but also protecting me from over-indebtedness. It is not a good idea to immediately apply for a more expensive loan elsewhere, as the conditions are then guaranteed to be less favourable.