to recover… credit

We propose of continuation a series of questions and answers that can help the bad payers to comprise who are CRIF (Center them Risks Intermediation Financial institution), which data come recorded in EURISC, and like proceeding, eventually, to the modification and/or cancellation of own information taken a census.

I must lend the consent to the treatment of the data that regard to me in the systems of credit information?

The adoption from the Guarantor for the protection of the personal data of the provision of the 16/11/2004 on the balance of the interests (to integration of the deontological Code) has concurred to delineate the cases in which the information dealt from the systems of credit information do not need of consent from the interested one.
In the fattispecie, the guarantor Authority has characterized in the credit information of type negative (those, that is, inherent to financings for which inadempimenti in the relative reimbursements have been taken place) a category of data for which it is not necessary the consent to the treatment of the data from the interested subject.
Such information are not therefore in some way revocable. The financings in which present the credit relationships are only given of positive type (that they that is mark a regular course of the reimbursement) need of the relative consent for being able to come dealt and, consequently, they are revocable. The consent of the interested one then is not demanded for dealing the relative data to financings granted to society, entrepreneurs characterize them and freelance.

When they come inserted my data in EURISC?

The communication of its data in EURISC can happen in three distinguished moments: if the agency participant wishes to in the event consult its data for the relative preliminary investigation to its demand for financing (she it has lend the consent to the treatment of its personal data) at the moment of the acceptation of its demand for financing, if it has lend the consent to the treatment of its personal data

The consent is only demanded for the physical persons, while it is not demanded for dealing the relative data to the development of economic activities of society, entrepreneurs characterizes them and freelance. The information come modernized on base salary with the relative data to the course of the reimbursements. in the event in which It does not supply the consent to the treatment of the personal data but takes place irregolarità of payment in the reimbursement of the financing (so-called “negatives”)

It is true that CRIF decides if to distribute or to refuse the financings?

It is not true: CRIF supplies credit information to the agencies participants to which it demands a financing, but does not express merit judgments, neither it approves of or it refuses its demands for financing. They are the agencies same participants who, on the base of the information collections near CRIF and other suppliers, decide with respect to the acceptation of its demand, moreover always based on own policies of credit, that they are differentiated from an agency participant to the other.

We signal moreover that, based on art. the 5, codicil 6 of the Code of deontologia and good conduct for the systems of credit information, when the demand for credit is not received, the agency participant communicates to interested if, in order to instruct the demand for credit, has consulted given personal relative to credit information of type negative in or the more systems, indicandogli of identification ends of the system from which they have been found such information and of the relative manager.

How I can verify my recorded personal data in EURISC?

It can send a demand written via fax to number 051/6458940, following the instructions brought back here. Attention: it is not possible to obtain the access to the data for I telephone!

I must pour to CRIF a contribution in order to obtain the access to the data recorded on the SIC?

The access to the data of the SIC is free except in the event in which they do not turn out to be recorded given personal of the petitioner. In this case CRIF it applies the provision of the Guarantor for the protection of the personal data of 23 December 2004 nr. 14 and demand a contribution equal expenses to 10 euros. The payment can be carried out using the bulletin that comes attached to the written communications of CRIF.

Why I cannot have my data for I telephone?

The operating ones of the Call Center of CRIF are not authorized to supply its personal data for telephone just for protecting its privacy: CRIF must be able to verify that who carries out the demand for access to the data is truly the interested one, and not some other person who can even try than to demand the other people's personal data for own scopes (swindles, raggiri, etc).

I can delegate a third party to exercise the access right on behalf mine?

It is possible to delegate a subject third to the exercise of the access right. We remember but how much established in the Code of deontologia and good conduct for the systems of credit information to art. the 8, codicil 3: “The third party to which the interested one confers, for enrolled, delegation or procura for the exercise of own rights, can deal the acquired personal data near a system of credit information exclusively for purpose of protection of the rights of the interested one, with exclusion of every other scope persecuted from the third same one or connected subjects to it.”
From such codicil evince that in case it approaches its personal data through thirds party these last ones cannot lawful be dealt the credit information for fine own of lucro or sale of other people's services also. We signal that, in order to exercise the guaranteed rights from D. Lg. 196/2003 (Code privacy), can address to CRIF in quality of manager of the system of credit information, or to the agencies participants to the same system.

As time I will receive the answer to my demand for access?

The times of escape of the demands are variable and depend from the complexity of the practical one and the fact that the demand has reached leggibile and complete. We advise therefore to follow the instructions carefully in order to carry out the demand for access Approached the data, and to send it exclusively to means fax, or in order to avoid a lengthening of the which had times to the transmission via mail of the demand, or in order to make yes that its practical one comes generated without to demand a longer time of working.
In any case we signal to them that for law CRIF it has 15 days of time from the reception of its demand in order to evade it: CRIF evades the demands in the order in which they come received, therefore, even if profondiamo however the maximum effort possible in order to shrink the times of answer we pray, it not to telephone to the Call Center in order to only speed up the escape of its demand.

I can obtain the cancellation of my data recorded in EURISC?

Based on the law, the cancellation of own personal data can as an example be obtained only when the treatment of the data happens in law violation, if interested (the person to which they go reported the data) has not given own consent to the treatment of the data to the moment of their recording, like in the event of the swindle.
However they are previewed of the times of conservation of the data, to expiring of which the information come eliminated automatically from EURISC, without necessity of a specific demand from the interested one.

We invite to diffidare of who assures them “a sure” cancellation from the system of credit information for data that not rispecchiano this condition. We invite therefore to visit the www.cancellazionecrif.org site

I can revocare the consent already lend previously?

According to of the Provision of the Guarantor for the protection of the personal data of the 16/11/2004, the consent to the treatment of the personal data is not necessary for the relative data to the development of economic activities from society, entrepreneurs characterizes them and freelance, neither for the treatment of the data negatives even if reported to physical person (delays in the payments). Of it achieves that it is possible revocare exclusively the consent to the treatment of relative the positive data to financings granted to physical persons, that is of those which they indicate its quality of punctual payer, with the consequence to maintain to the single eventual data negatives visible.
Example: to its name two positions are present, of which regulating and with delays in the payments still not healed: revocando the consent it would obtain the cancellation of the regular position and the maintenance of that with the signalling of delays.
We invite to diffidare of who assures them “a sure” cancellation from the system of credit information of negative information. In order revocare the consent to the treatment of its data it will be able to write to the bank or the financial institution with which it has entertained the credit relationship, or will be able to write to CRIF, being used the present model in the page Approached the data. We remember that, based on art. the 6, codicil 7 of the Code of deontologia and good conduct for the systems of credit information, CRIF records the relative information to revoca and eliminates the positions from the system beyond 90 days from the communication of does not revoca same.

How I make knowing if I have given my consent to the treatment of my personal data?

In case it thinks not to have supplied the consent to the treatment of its personal data, will be able to write to the bank or the financial institution with which it has entertained such relationship - that it is in possession of the documentation of its financing - in order to verify the situation.

How I make to correct/to integrate my personal data presents in EURISC?

In case it wanted to obtain integration or modification of Its data, because it thinks that they are not dawned or they are not correct, will be able to address to CRIF or to the Agencies participants have inserted who them: if one addresses to these last ones will be able to directly obtain the eventual modification of its data in EURISC, while if it addresses to CRIF, in its quality of manager of the system of credit information, this in order to answer them will have however to take to contact with the Agencies participants and to attend from part they a reply to own demands for verification.

Which procedure I must follow in order to correct or to integrate the data that regard to me in EURISC?

Based on the dispositions of law (art. 7 Co. 3 of cited D. Lgs. n. 196/2003) it has the right to obtain the modernization she rectifies, it of the data that think are not modernized or corrected. It can in the event use the present model in the page Approached the data in which it decides to send the demand to CRIF. It is however important to know that CRIF cannot give them an immediate reply, as cannot in autonomy modify the data received without to carry out of the verifications with the agency backer has transmitted who them.

CRIF however provvederà to supply them a containing reply within 15 days the outcome of the verification or the new term within which a definitive answer will come date. Such term cannot however be advanced to ulterior 15 days. Moreover, it is well that it knows that in the first 15 days of verification CRIF the indication supplies to integrate in its data a containing message that are in course verifications on its data. If the verification had to demand ulterior 15 days, in this last arc of time CRIF it supplies to inhibit to anyone the visibility of the data verification object.

How I can accelerate the iter in order to obtain the correction of my personal data?

In order to accelerate the iter, in these cases it is advisable that the consumer directly addresses to the agency backer who will be able quickly rectifies to transmit it or the modernization of the data to the Sic.

How comes protected my confidentiality?

CRIF has adopted rigorous safeguards measures in the respect than decided according to of art the 33-36 of the Code Privacy (D.Lgs. 196/2003) and of attached B to the same provision. Its credit data come supplied exclusively to the agencies near which it introduces a demand for financing, and or the agencies participants who their operating ones are held for law to the respect of its confidentiality. The data are therefore accessible only for prevention purpose and control of the insolvency risk and is not made available for marketing purpose.

Who is the responsibles of treatment for CRIF?

We remember to you that the designated responsibles of treatment from CRIF and listed of continuation, they are Responsible Technicians and they are not taken care to evade your demands for access-rectify-cancellation of the data. CRIF, in quality of treatment holder is taken care to manage such demands directly (can find the information in order to carry out such demand to the page Approached the data).

• Postel S.p.A with legal situs in Via G. Massaia, 31 - 00154 Rome
• DataBank S.p.A with legal situs in Via Patriots, 21 - 29100 Piacenza

I do not find the answer that I try, to who I can address for having other clarifications?

CRIF puts to its disposition a call center dedicated (051/6458900), assets from the monday to the friday from the 9,00 to the 13,00 and the 14,30 to the 18.30. The call center it can supply them information it generates them on the SIC and like exercising its rights, or can help it to better comprise the content of the written answer that CRIF will send to them.
The call center it cannot supply some type of personal data for I telephone, own in order to guarantee its privacy: CRIF must be able to verify that who carries out the demand for access to the data is truly the interested one, and not some other person who can even try than to demand the other people's personal data for own scopes (swindles, raggiri, etc).
Besides the call center, CRIF puts to its disposition also an e-mail address (info.consumatori@crif.com) to which it will be able to address for having ulterior clarifications; we signal that it is possible to exclusively exercise the guaranteed right of access and the other rights from the law through this address of e-mail if its demand is accompanied also from a leggibile scanning for its document of identity and the tesserino for the tax identification number. Not there will be possible to elaborate the eventual incomplete demands for such documents.