Czech Non-Banking Credit Bureau

Non-Bank Client Information Register

Contains data telling about the creditworthiness, trustworthiness and payment morality of persons and companies. The non-bank register collects data on clients of non-banking companies that are its members and ensures their processing.

Reports and Services

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The Register contains data on contractual relations between lending entities and their clients that determine creditworthiness, credibility and solvency, i.e. data on credit products (accepted and rejected), on the amount of credit and repayments or on whether the client’s obligations are duly and timely fulfilled. The operator of the Non-Bank Register is the interest association of persons CNCB – Czech Non-Banking Credit Bureau.

What you often ask

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Informed decisions

We enable our members to make informed decisions.

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Trust

We keep information, look after it and make sure it is useful.

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Security

We ensure strict security when processing information.

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Innovation

We follow trends and adapt to changing needs.

The NBCIR contains data on contractual relations between lending entities and their clients, which determine our creditworthiness, trustworthiness, and payment morality. This includes data on accepted and rejected loan products, loan amounts, repayments, or whether we meet our obligations correctly and on time.

If we pay our debts correctly and on time, the financial institution will recognize this fact from our statement of record and will view us as a known and reliable client. This will be reflected in their offers and requirements. We may also get better terms than a client who is unknown or has a poor payment record.

The information in the NBCIR is updated monthly and retained for the duration of the contractual relationship with the financial institution and 4 years after its termination. If the contract with us has not been concluded, the Non-Banking Registry of Client Information keeps this information as a credit application for 6 months.

80% 80%
60% 60%
40% 40%
25% 25%
15% 15%

The Credit Market Barometer

The Credit Market Barometer is an overview of all loans – short-term and long-term included in the Bank and Non-Bank Register. It deals with the issue of debt in individual regions of the Czech Republic and compares the current data with the same period of the previous year. On the basis of these data, the development of the debt of the population in the Czech Republic can be well monitored.

Current Credit Market Barometer

Information Memorandum

A comprehensive overview of the basic information on the common database of data shared between creditors. It also contains basic information on data sharing with the Client Information Bank Register.

Download The Memorandum

Register users

The following companies share data about their clients through the Non-Bank Register:

How to become a user