General Information

Credit Consolidation System contains data concerning consumer and housing loans, credit cards of natural persons and credit to small and medium-size businesses (with annual revenue less than 2,5 million Euro). It contains information about the status of the credit (current balance with no delinquency, deliquent balance etc). The function of the Databank and all the relevant activities secure the regular collection of data from credit/financial institutions regarding possible debts from loans, their processing, the completeness control as well as the dissemination of the processed information.

Access to this file is possible with the consent of the interested party. In the case of consent withdrawal, a relevant indication is presented, that is evaluated by the bank.

Data Categories

1. Trading, consumer and housing loans
2. Credit cards

Sources

The data of the Credit Consolidation System are channeled to Tiresias SA via electronic means/channels from credit institutions, credit supply companies, funding companies, leasind, editing and administrating card companies that have issued the related loans/cards.

Storage Time

CCS data are kept till 5 years after their monthly last update.