According to the Bank of Greece (BoG), the Credit Registry (ΚΜΠ) collects and stores on a monthly basis detailed information on all types of credit equal to or exceeding €5,000 (per creditor and per debtor for legal entities) and €2,000 (per creditor and per debtor for individuals and sole proprietorships).
The types of credit reported include, without limitation, mortgage loans, consumer loans, business loans, finance leases (leasing), and factoring agreements, along with the corresponding collateral provided. The system ensures data confidentiality while offering modern digital information services.
The Credit Registry provides access to its data for both debtors and creditors through the issuance of Credit Reports, which are made available following the submission of an electronic application.
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Type A Credit Report, issued at the request of the debtor to whom it pertains, contains identification and verification details, as well as comprehensive information reflecting the debtor’s credit position at the reference date, including credit activity over the preceding twelve months (see paragraph 7 of the relevant document).
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Type B Credit Report, issued at the request of a creditor, presents a comprehensive overview of credit exposure at the reference date, based on the data held in the Credit Registry. It covers all debtors with whom the creditor has a contractual relationship and has reported to the Registry, including their outstanding obligations to any other creditor reporting data to the Registry (see paragraph 3 of the relevant document).
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Type C Credit Report, issued at the request of a creditor, contains identification and verification details for a specific debtor, along with data reported to the Registry, reflecting the debtor’s credit behavior over the twelve months preceding the reference date.
