How do you know that CCIs is listed for your outstanding credit?

September 10, 2019 0 By admin


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CCIs is the abbreviation for the Central Credit Information System . It is the legal successor of the old BAR registry. The purpose of the CCIs system is to objectively, prudently and reasonably assess the creditworthiness of registered individuals, customers and clients, to prevent over-indebtedness, to ensure responsible lending and borrowing conditions, and thereby to reduce credit risk. During a credit rating, the financial institution checks whether the person seeking the credit is on the CCIs list. However, not only the bank can do this, but anyone can ask if they are on the CCIs list. But how do you know that CCIs is listed? You have several options for doing this. How do you know that CCIs is listed?

How do I get on the CCIs list?

You can be on the positive credit history list if you have no debt to the bank for your outstanding credit. This can be beneficial when you want to take out a new loan, as you will have 5 years after the loan is paid back, ie whether you have paid off your loan details correctly.

There are several ways to add a negative list to a CCIs . For example, credit defaults (debts), credit card fraud, and credit agreement fraud. A negative list can have two statuses:

  • The status is active if you have not yet started paying off your debts.
  • The passive status lasts for a year after the debt is settled.


Why is it worth querying?

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It is very difficult for those on the CCIs list to obtain credit. If you are an active CCIs listed, you will not be able to get a loan from any bank. These clients usually use private mortgages or look for a family member or friend to borrow on their behalf. However, there are credit institutions that also lend to CCIs status holders. The conditions may be stricter than for “pure” clients.


Where to look?

Querying your Own Credit Report (SH), that is, whether you are on the CCIs list can be obtained from any Hungarian financial institution, even if you do not keep an account there. You can even contact GDRST SRTs., Which operates the CCIs system. There is always no charge to query SH.


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Request your own Credit Report through a financial institution

Request your own Credit Report through a financial institution

  • You will need to fill out your personal credit application form, which will be sent to your bank.
  • By submitting the form, the financial institution is obliged to notify GDRST SRTs., Which manages the CCIs list, of the request for information, to which the previously completed document will be sent.
  • GDRST SRTs. Then completes the My Credit Report form with the information uploaded into the CCIs system by other banks, whether positive or negative.
  • The credit report is sent to the applicant by GDRST SRTs. In a form appropriate to the client’s request, which is possible in several forms. The credit report can be sent electronically, attached to an email, in .pdf file format, which will take the form of a password-protected, compressed document, or even by postal delivery. If you request it by postal delivery, you will not receive the form at your own address, but will arrive at the branch of the financial institution where you will forward the requested information to your address in a sealed, unopened envelope. Upon delivery, you must sign a receipt. This is important in order to provide the financial institution with a guarantee of service of the document. If the delivery fails for any reason or does not accept the shipment, the bank will destroy the credit report without opening it.


Requesting your own Credit Report through GDRST SRTs

  • You will need to open the company website and search for and download the My Credit Report form.
  • After printing and completing as appropriate, the form must be sent by post to the address of GDRST SRTs.
  • You will receive the CCIs list report electronically.


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Necessary documents

As an individual:

  • a valid ID or driver’s license or passport
  • address card


  • any identity document
  • address card
  • data on the signature title copy
  • data contained in a commercial court extract
  • articles of association