Debtors list available for free for everyone

You may not even know about it, but you may also have a negative record in the debtors register. More and more people find out at the bank counter when applying for a loan or mortgage.

Extract from the register of debtors

Extract from the register of debtors

Housing in a rented apartment may also be a problem. A person who has a negative payment history subsequently has big problems. How to avoid it? Every citizen of the Czech Republic and a legal entity can obtain a so-called extract from the register of debtors Good Finance. Unfortunately, we are unable to access these records for free.

This privilege is available only to the member companies of the association, but it is not difficult to obtain an extract. If you need an online printable form, request a one-time online statement.

For an individual, the price is 200 USD for one online copy. Another option is an SMS statement, which costs USD 30. The last variant is a paper statement, its price ranges from 209 USD – 241 USD.

How did my record get into the registry?


There are more than 57 companies in Good Finance, each with different conditions for enrolling in “sinners”. Somewhere it is enough to omit one payment elsewhere, it is only after three months. Simply put, getting into the registry is more than simple, but deleting can be very tedious.

The most common misdemeanors are: unpaid repayment for a loan, leasing or mortgage. Also, beware of timely payment of money orders for mobile services, gas and / or electricity.

I paid everything but I still have an entry in the Good Finance register


The fact that you repay all your obligations to the companies does not mean that you will be automatically removed from the debtor register. This data remains in the database for up to 3 years, so you must revoke your consent to the processing of your personal data. If you don’t know how to do this, read our previous article.

Request for deletion from the Good Finance pattern registry


Sample application

Your First and Last Name
Your Permanent Address
Your phone and email address

Company name (who entered you in the registry)
Company ID
Company address

Revocation of consent to the processing of personal data

I, First Name Last Name, Permanently Resident Street No, Postcode City, RN: YYMMDD / XXXX hereby withdraw my consent to the processing of personal data in accordance with Act No. 101/2000 Coll., On the protection of personal data and request that the company Company Name Registered Address (hereinafter referred to as the Company) did not further process my personal data.

Since I am not in any contractual or other legal relationship with the Company, nor am I owed to it, I ask that you provide my personal data from all databases that you maintain, in accordance with Act No. 101/2000 Coll. data,
(including databases of third parties to whom my data has been provided, such as the Debtor Register).

If my personal data kept on the basis of any consent granted to their processing by the Company continues to be present in the above databases even after the time technically necessary for their removal, I will be obliged to contact the Office for Personal Data Protection.

Loan without registry and confirmation of income today

It is no longer true that only people who are on the brink of poverty apply for a loan. With the advent of the Internet and mobile technologies, the process has been much faster and simplified. The bank loan is paid to us immediately after approval, which takes only a few minutes, but there are still enough clients to look elsewhere.

As? where did the error occur? Due to low income, applications are rejected, but an even greater cause is when the bank finds that the customer under review has a negative record in the debtors’ registers. What with this? Will they borrow these people elsewhere or are they unlucky? Good Finance will tell you.

Non-bank loan without a register

Non-bank loan without a register

It is common knowledge that non-banking companies do not actually consult the debtors register. How is it really? Before 2015, this was indeed the case that there was no such obligation, but that changed in 4 years. Now the Consumer Credit Act requires all banking and non-bank entities to sufficiently examine and assess the creditworthiness of the client.

What does it mean? Simply put, they have to find out with all available tools whether or not you will be able to repay the loan. The registers mentioned above share information with each other. On the other hand, having paid an invoice with less delay does not necessarily mean that you are haircutting. Non-bank providers are still much more benevolent than banking houses.

Credit registers, what is it for?


Writing in these records is not yet a disaster, as there are positive registers where all who pay their obligations on time are kept. As a result, these clients are more trustworthy and logically increase the prospects for other financial services such as mortgage or leasing.

Bank register of client information

Or BRKI is an extensive database containing contractual relations between banks and borrowers. Banks share this client information with each other. These are primarily data that represent how trustworthy and creditworthy clients are.

Non-bank client information register

These are companies that provide consumer loans and leases. Authorized holders can therefore verify the creditworthiness of their customers.

It is an interest association that tries to fight against the indebtedness of Czech citizens. We find not only non-banking companies, but also telecommunication service providers and even energy suppliers. 

Central Credit Register

They were not CRC. This register is managed by the Czech National Bank and has the task of bringing together banks and branches of foreign banks in the Czech Republic. The main function is to provide information on credit commitments of entrepreneurs and legal entities.

Benefits of loans without a registry

Benefits of loans without a registry

  • money can be obtained even for clients with worse payment history
  • minimum administration and paperwork
  • loan for people with lower incomes
  • Quickly transfer money to your account
  • convenient negotiation on the Internet

Disadvantages of loans without a registry

  • low maturity, usually only 30 days
  • high fees and APR
  • the loan is payable on a one-off basis
  • high penalties and fines if you do not repay the loan on time