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.
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.
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.
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.
Your First and Last Name
Your Permanent Address
Your phone and email address
Company name (who entered you in the registry)
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.