Česká spořitelna now offers everyone an overview of loans, overdrafts and credit cards. This includes transactions with other banks and non-bank companies. Banks often claim to be ignorant of the credit products they own and how they affect their creditworthiness. . However, for those who are not her clients, there are conditions to getting an overview.

According to Česká spořitelna research, 1 in 5 customers do not know that they are the owner of the credit card, for example, when purchasing goods directly from a merchant with installment payments.

At the same time, people don’t even need to use products such as credit cards or overdrafts. The very fact that they own the product is enough to affect their creditworthiness. For example, if they apply for a loan. “The mere fact that they are owners can significantly reduce their creditworthiness and threaten their financial health,” admits Daniela Peshkova of Ceskar Spositerna.

According to Pešková, the bank has decided to provide clients with an overview of all loans, including loans with other banks and non-bank companies, free of charge. You can then cancel unused cards and other products. It is precisely the financial past that plays a role in the so-called scoring. This is the process of verifying the client’s creditworthiness.

“Knowledge of a client’s budget is a fundamental prerequisite for bankers to offer advice. This service includes the task of ensuring that clients are in control of their repayments.

This service is primarily intended for clients of Česká spořitelna. Clients of other banks can also use this service, but with certain restrictions. In order for the savings bank banker to look at the bank and non-bank registers, a person who has an account in another bank must first ask the bank to consolidate the loan.

This may only be a formal procedure, but only on the basis of this application can the bank find out information about all the applicant’s loan products. However, the client can later decline the integration and still get information about his obligations.

Paid services, other free

A similar service is offered on the Czech market by the portal kolikmam.cz, operated by CRIF (Czech Credit Bureau). For example, the MůjKredit service contains information about debts with banks and non-bank financial institutions, including information from public sources such as Central Enforcement Records, Bankruptcy Registers, ARES, and the Home Office’s database of invalid documents. increase.

It also contains information from the REPI Registry (Register of Payment Information). This brings together, for example, micro-lenders, energy suppliers, and other companies that offer installment-based services. Thus the client gets information about his debts with these companies in one report he has, but with a fee of 100 crowns.

For a price of 499 crowns, you get annual service. It sends an extract from the register, a summary of obligations, and even a personal credit rating of the applicant quarterly to the applicant. You can log in to the service via your bank ID.

You can also order statements from the Solus Negative Register via the NejsemDlužník.cz service. This service searches for delinquent debts of financial institutions, telephone companies, power companies, etc. In addition, applicants will also receive excerpts from the Central Enforcement Records and Bankruptcy Register. This service is also paid and costs 250 crowns.

A web portal, Nedlužímstátu.cz, also operates in the country, allowing Czechs to search the debts of state institutions free of charge. It not only confirms the existence of debt, but also provides possible debt settlement.

According to the portal’s creator Česko.Digital and the Delinquent Debt Prevention Institute, ministries estimate that people owe states up to tens of billions of crowns. At the same time, they often don’t even know about debt.

Investigating possible indebtedness with state agencies such as tax offices, social administrations, health insurance companies and customs is a relatively complex and time-consuming process.

Graceful Summer Helps Debt

If people find themselves in debt with the state, they can get rid of them very easily with the Gracious Summer II Debt Relief event, which is currently running through the end of November.

At the same time, the debtor will only have to pay 1,815 crowns of principal and fees to the executor. After that, the remaining accrued amount will be forgiven. However, it only applies to foreclosures initiated before October 28, 2021. This is because it is actually a repeat of the original grace period that started at the end of October last year.

Gracious Summer II. Applies to liabilities to public authorities or state or quasi-state enterprises, including health insurance companies. These are, for example, unpaid fees to transport companies under state control, hospitals, energy authorities, Czech television, Czech radio and health insurance companies with the largest number of registered debtors, about 200,000 debt.

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