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Banking

Italy — Banking: Credit History

How to get your own data from Italy's Central Credit Register (CR) run by the Bank of Italy. This is the bank-credit register, separate from private credit bureaus.

VerifiedGovernment / official sourceBanca d'Italia - Access to Central Credit Register (Centrale dei Rischi) dataLast reviewed: 2026-10-27

Key facts

  • Access to your own CR data is free; heirs, guardians and authorised delegates can also request it.
  • Online: since 13 April 2026 the Servizi online portal is the only online channel, using SPID, CNS or CIE, or a request with a copy of valid ID if you have none.
  • On paper: send the downloadable form with an ID copy by mail or deliver it in person to a Bank of Italy branch.
  • The Bank generally replies within 30 days of receiving the request.
  • The data is confidential and covered by official secrecy; false statements in a request are reported to the authorities and access can be suspended (two years for a first offence, then permanently).

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