If you arranged a credit and your payments are overdue, or you have not paid anything at all, the creditor must report this to the National Bank’s Central for Credits to Private Persons.

The Central registers the information in the negative section of the file of regulated registrations or in the file of non-regulated registrations, according to the type of credit.

The first time you are registered in one of the files, the Central will send you a letter informing you that you have been registered in the negative section. This letter will mention:

• the institution that has transferred the data;
• the file you are registered in;
• the case number of the credit contract.

If you have received such a letter, you have the right to access the data the Central keeps about you. To do so, you can:

• send a letter to the Central, including a copy of the front and back of your identity card. A few days after it has received the request, the Central will reply;
• go to the offices of the National Bank of Belgium. In this case, you will be informed immediately.

"Access" also means that you can:

• check whether the data are correct;
• ask to rectify incorrect data, if any;
• learn how long the data will be kept.