Credit registers: get a report and correct an error

Before applying for a mortgage, you can check your records in the credit registers. In Slovakia, consumers most often encounter SRBI and NRKI. They contain both positive and negative information about loans and applications; they are not public lists of debtors.

SRBI and NRKI

SRBI is the Joint Banking Information Register, operated by Slovak Banking Credit Bureau and supplied by participating banks. NRKI is the Non-Banking Credit Register; its members include leasing and non-bank lenders. A record may relate to a loan, credit card, overdraft, application, co-borrowing or guarantee.

NBS says its Register of Bank Loans and Guarantees (RBUZ) serves businesses and legal entities. Consumers seeking a personal mortgage report use the SRBI or NRKI operators.

Paid reports and prices

CRIF’s current price list shows a joint online SRBI and NRKI report for €12.50. A separate online report for one register costs €8.30. At the client centre, the joint report costs €21 and a single report €15. For paper delivery, add €4 postage: the joint report starts at €25 and a single report at €19.

If you already have a verified portal account, the paid report is available after payment is credited. First-time remote registration follows a separate identity-check process and delivery of login details. The source material does not establish one exact registration time or the current delivery charge for the registration agreement. Check the operator’s current terms before ordering.

Free access to personal data

The GDPR right to access personal data is separate from a paid commercial report. The register operators publish forms for a copy of the data they hold; according to the forms, the first copy and electronic access are free, while postal delivery may involve postage costs.

The operator generally has one month to respond. For a complex or large number of requests, it may extend the deadline but must tell you. The free copy may not have the same format or combine both registers like the paid joint report.

Correcting inaccurate data

If you find an error, identify the record and explain what is inaccurate or incomplete. You can submit a correction request through CRIF’s client area, in person or by post. You can also contact the bank or company that supplied the information. Include documents that explain the disputed item.

The operator checks with the source and reports the result. Correcting inaccurate data differs from deleting a truthful record. Repaying a loan therefore does not mean the full credit history disappears immediately.

How long records are kept

Rules depend on the register and record type. SRBI says loan data remain while the obligation exists and for five years after it ends; an application without a concluded agreement is kept for 12 months from submission. NRKI’s privacy notice distinguishes statutory and consent-based records; for a concluded loan it gives the duration of the obligation plus five years after it ends. See each operator’s current privacy notice for detail.

A record does not automatically mean a mortgage will be declined. The bank considers its contents together with income, liabilities and its own rules. A report therefore cannot guarantee approval or predict the exact outcome of an application.