What is the service?
The service allows people to find out about data registered under their name in the Bank of Italy's Central Credit Register. This service is free of charge.
The Central Credit Register (CR) is a database that collects data from banks and financial companies (intermediaries) on the loans granted and guarantees issued to their customers (households and firms).
Who can use it?
- natural persons under whose name information is registered, or, in their place, subjects authorized by law (for example a tutor, a support administrator, an heir or a delegated subject);
- legal persons, such as entities, companies, and associations, through a legal representative or other subjects authorized by law (for example the liquidator, members with unlimited liability, partners in limited companies and members of the board of auditors).
How does it work?
You can access CR data by submitting a specific request:
- via the 'Online services' platform by choosing the 'Request data' box or by using the direct link to CR online services. On the platform, you can:
- identify yourself using SPID (Public Digital Identity System) or a CNS (National Service Card); in this way you can access a personal space where you can fill in and send the data access request, consult and download the answers;
- alternatively, if you don't have a SPID or a CNS, follow the indications and fill in and send the request form, together with a legible copy of a valid identity document. An answer will be sent to the postal address or certified email address (PEC) indicated when you sent your request;
to one of the Bank of Italy Branches, by certified email (PEC), regular mail or hand delivery using the form that you can download from this page and attaching a legible copy of a valid identity document. An answer will be sent to the postal address or to the certified email address (PEC) indicated.