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Banking

Belgium — Banking: Credit History

Belgium credit history is held in the National Bank of Belgium Individual Credit Register, which records consumer loans, mortgages and payment defaults and can be consulted free by the person concerned.

VerifiedGovernment / official sourceNational Bank of Belgium — Individual Credit Register (ICR)Last reviewed: 2026-10-23

Key facts

  • The ICR holds all consumer credit and mortgage loans contracted in Belgium by individuals for private purposes and all defaults on them; it is not only a negative register.
  • Lenders must check it before granting credit; performing loans are removed within three months and eight days of the end of the agreement, and unresolved defaults are kept up to ten years from the first default.
  • Consumers can consult their own data free of charge online with an eID reader or itsme, by email, signed letter or in person at a bank, up to three times a day.
  • The 2025 NBB figures show 6,081,385 people with outstanding loans (63.6% of over-18s) and 258,819 with at least one default (2.7%).

Steps

  1. Checking Credit History — Unknown - further research is required to understand the process of accessing and checking credit history in Belgium.
  2. Correcting Credit History Errors — Unknown - further research is required to understand the process for correcting errors on a credit report in Belgium.

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