Central risks, Find out what it is – Creditworthiness

What it is for and How to access data?

First of all it is good to understand what we are talking about trying to better address the topic. We often hear about Crif , databases, reports, CTC and Central risks.

But sometimes you get a lot of confusion with all these acronyms. The Risk Center ( CR ) is a credit information system managed by the Bank of Italy, where reports are sent by credit institutions or financial companies relating to the indebtedness of its customers. This is a public structure unlike other SIC (credit information systems) such as Crif, Ctc etc. which are of a private nature.


What is the central risk for?

What is the central risk for?

The risk center serves to enable financial intermediaries to assess the reliability of a customer by assessing creditworthiness. This allows to reduce the risk of insolvency and to optimize the best resources by addressing a deserving public.

The information system allows the stability of the credit sector to be improved.

Bank of Italy instead uses this data for statistical purposes and for its institutional monitoring tasks.


What information we find

What information we find

It is important to know that at the CR we can only find some information about our credit life.

In fact, intermediaries have the obligation to report credit transactions with exposures of over € 30000 (even if in compliance with the payments) and any guarantees given to individuals or companies. When the debt falls below € 30,000, they are no longer required to make the report. Non-performing or problem loans are reported regardless of the amount.

The intermediaries make monthly positive and negative reports to the CR. They can integrate special home-related communications such as the transfer of non-performing loans or the regularization of payments.

The risk center is committed to collecting all the reports received from a customer and sending them monthly to the intermediaries who have made an alert for that name: this allows intermediaries to have a global risk position for that customer.

Intermediaries can request information also for those not reported directly in the case of customers who have turned to them for a guarantee. Or for its customers who have not reached the reporting threshold (credits exceeding € 30000.

The latter information, also known as first information, can be requested for a period of 36 months for companies and 24 months for individuals.

So in summary we can find reports related to guarantees or credit lines, credits over € 30000 paid regularly. Loans are receivable.


How to request access to data

Access to data can be requested by going to one of the branches of the Italian bank personally or on behalf of third parties by filling out the proxy form. It can also be requested via PEC. The return of the visura takes place within 30 days but is usually received within 10 days.

To get the details on how to access the data of the central risks go to the Bank of Italy website and enter the branch section of your responsibility. In the services section offered you will find the procedures for making requests and related forms.




Intermediaries stop reporting credit positions from the time the credit is settled. In the case of negative reports (non-performing loans or stranded loans) it is necessary to remedy the substandard debts. If you are already in a state of misery for some time, you can try to contact the intermediary for an attempt to close the balance in excerpt.

In this way, the credit intermediary will no longer send the reports relating to our debt. Unfortunately, however, the request for information on a client by a financial institution or a credit institution can be forwarded up to 36 months before the request.

This means that from the moment we settle a debt that has caused a negative report in the central risks we have to wait a period of 3 years to prevent the bank from seeing it and then rejecting our request for financing or mortgage.