Are you planning to apply for emergency loans for bad credit? The Centrale Rischi (CR) is a database that collects information from banks and financial companies on the loans granted and on the guarantees given to its customers, whether they are natural persons (families) or legal persons (companies). The CR data can be accessed by submitting a specific request:
- Through the “Online Services” platform, by selecting the “Request data” box, or by using the direct link to the CR online service . Within the platform, it is possible to:
- identify yourself with SPID (Public Digital Identity System) or CNS (National Service Card); in this way you access a personal space where you can fill in and submit the request for access to data, consult and download the answers;
Differently, if you do not have a CNS, gather in and mail the request, jointly with an apparent document of a valid individuality document, following the instructions. The reply is sent to the postal address or to the certified e-mail address (PEC) indicated at the time of sending the request;
To one of the branches of the Bank, by certified e-mail (PEC), ordinary post or by hand delivery, utilizing the aspect that can be downloaded from this paper and affixing a legible paper of a valid individuality article. The reply is sent to the postal address or to the PEC address indicated. If we also want to know the situation of the other credit information centers, we should contact the private companies directly, following the suggested procedure.
Basically, before applying for emergency loans, you can check that your financial situation is regular or not.