How to find out if I’m in the debtors register

In principle, simply: financial institutions share information in the registers. As soon as you apply for any loan as a non-entrepreneur, they will check you in the registers. They will also register your data. If the contract is not signed, you are already registered as an applicant.

In addition to the identification data, this also includes information on whether or not the contract was concluded. Further information about the client’s obligations, ie the number of existing loan contracts, the amount of individual loans and installments.

The repayment history and information on collateral obligations.

The repayment history and information on collateral obligations.

If you are a non-bank loan applicant, your data is registered for six months. In banks year. If you have received the loan, you are in the registers not only for the entire loan repayment period. But the next four years after repayment. That is, after termination of the contract.

Our tip

Did you request an extract from the registry and do you consider any of the recorded data to be correct? Or wrong or inaccurate? Do not hesitate to ask for repair or deletion.

Register of debtors SOLUS

money loan

In addition to banks and credit institutions, this special register also includes leasing companies. But also all mobile operators, energy suppliers and building societies. The register of SOLUS debtors is accessed by everyone who offers loans to non-business citizens. If you are in this registry, you also don’t have to despair.

Solus keeps track of two non-entrepreneurs who owe something, two registers : the positive one is for those who pay off. Negatives are defaulters. These are currently in the register of about 600 thousand and owe overdue approximately 50 billion crowns. They can delete you from the positive registry on demand. You don’t have to be there if you don’t want to.

Deletion from the negative register is not easy at all.

money loan

Negative Solus can be accessed quite simply : if you owe at least 500 USD and pay no more than a month, believe you are there. If you already have a notch, you are only eligible for deletion from SOLUS if the data is false. Otherwise you have no chance, the data will be in the register of debtors for quite some time

  • for rejected or withdrawn applications three months
  • in the event of default, not only for the period of delay
  • After paying debt for loans 3 years
  • after paying debts with energy suppliers and mobile operators 1 year
  • data that has been in the register for more than 10 years is automatically deleted.

Did you know…

… that bank and non-bank credit registers register around 5.80 million open contracts?

However, only about 280,000 of them have significant repayment problems? There are about 600,000 Czechs and Czechs in the negative Solus register, which is not even 7% of the adult population.

Is there a way out of the debtor’s records?

money debt

Certainly yes. It is simple – it is necessary to repay the debts properly. And in time to pay back. Being in the debtors’ registers is not a shame if banking and non-bank financial institutions keep positive information about you.

However, if you are a debtor, financial institutions know about you, you will not get a loan and you may be in the registers for years. Removal from the register of debtors after insolvency may not be simple. Therefore, it is better to and in the register of debtors lack.

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