Banking
Croatia — Banking: Credit History
HROK, the Croatian Register of Credit Obligations, exchanges data on open and closed loans between banks, deleting it four years after closure, and consumers can request their own credit report.
VerifiedProfessional tax guide — not a government sourceCroatian Register of Credit Obligations (HROK) — personal data processingLast reviewed: 2026-10-23
Key facts
- HROK is a commercial company that acts as data processor for the OSR system, with banks and credit institutions as data controllers.
- It holds data on existing and closed obligations, deleted four years after an obligation closes.
- A personal credit report can be requested at a bank branch, by mail or through an authorised service on hrok.hr, and is created only with the client written consent.
- The price of the report was not stated in the sources reviewed.
Steps
- Obtaining a Credit Report — It is unclear how to obtain a credit report in Croatia, and the process may be difficult for non-residents.
- Establishing Credit — It is uncertain how to establish credit in Croatia, and requirements may vary depending on the lender.