The Credit Bureau (Biroul de Credit) keeps the data that banks and NBFIs, called participants, report about your loans. Your report shows what lenders see when they assess an application.

Below: how to get it, how long data stays and what to do if a record is wrong.

ANAF income checks are separate from Credit Bureau history. Check provider documents and published ANAF methods before applying; no certificate does not mean no query.

Quick answer

• The report (Situația înscrierii) is requested online on the Credit Bureau website, at a participant or by post; the answer comes within one month.
• Each record stays 4 years from the update date, including a repaid arrear.
• Wrong data is corrected by the participant that reported it; the Bureau cannot change it on its own.
• Rectifying and erasing incorrect data is free.

What the Credit Bureau is

Participants must send correct and accurate data. The Credit Bureau is not responsible for the accuracy of reported data and, under its contracts with participants, only they may change the data they sent. Any correction therefore starts with the bank or NBFI that reported the record.

How to get your report

The right of access (Situația înscrierii) can be exercised in three ways: directly, through secure access to the Credit Bureau website; at a participant, in person or electronically; or by a letter sent by post to the Credit Bureau. The response time is at most one month. The Credit Bureau FICO® Score, a number between 300 and 850, can be provided together with the report.

How long data stays

Each record is kept for 4 years from the update date, including one about a repaid arrear. The exception is data of people who withdrew their application or were refused credit: it is kept for 6 months. Paying an arrear does not delete the record but updates it, and the period runs from that update.

What to do if a record is wrong

If the report contains incorrect or outdated data, ask the participant that recorded it to rectify or erase it, free of charge. You can also exercise the rights of rectification, erasure, objection or restriction through secure access to the Credit Bureau website. Restricted data does not appear in the report; the marker “DR” is shown instead. If the answer does not resolve it, you can file a complaint with ANSPDCP, the Romanian data protection authority.

The steps in short

1. Request the report and save it.
2. Compare each account with your agreement and payment proofs.
3. For an error, send the rectification request to the participant with your documents.
4. Request a new report after the answer.
5. If the error remains, file a complaint with ANSPDCP.

If you have a negative history

A correct record stays for 4 years, and lenders assess it under their own criteria. You can read your report with the credit report analysis tool, which runs in your browser, and compare offers in the bad credit category. To erase wrong data, see the erasure guide.

Reading a Romanian credit report before applying

Match each reported account to the participant, debt status, balance and last update. A repaid balance is not the same as a deleted record. Compare the entry with your own documents before concluding that it is wrong.

For an inconsistency, record the account, reported figure, correction requested and supporting evidence. Do not upload a complete report to a public form or give your identity number to someone promising guaranteed approval. Accessing your official data is not a loan application.

Two different next steps

Accurate data helps you assess your budget; the Romanian credit-score guide explains what the score can and cannot show. It does not force a lender to approve a loan.

For an error, follow the correction and erasure guide. Correcting data and obtaining credit are separate decisions, not a single paid service.