Your credit score in Czechia: how to get and read your BRKI, NRKI and SOLUS reports

There is no single credit score in Czechia. When you apply for a mortgage, the bank reads three registers: BRKI (bank loans), NRKI (non-bank loans and leasing) and SOLUS (unpaid telecom, energy and instalment debts). You can download the same reports yourself, BRKI and NRKI together at kolikmam.cz and SOLUS at solus.cz, and a SOLUS record stays 3 years after you pay (1 year for telecom and energy debts).

BRKI and NRKI keep data for 4 years after the obligation ends. Request your report (výpis z registru) 2–3 months before you apply, not after a rejection. The usual problem is not an old late payment but a technical error: a repaid loan still shown as active, or a credit card that was never cancelled. The bank reads your payments from the register and works out how much to lend from them, so one “hanging” loan with a CZK 4,000 payment can cut your maximum mortgage by more than CZK 700,000.

Which credit registers does a Czech bank check?

The difference matters. BRKI and NRKI are full registers: they record every loan, including the ones that went smoothly, and show month by month whether you paid on time. A clean repayment history can therefore work in your favour. The SOLUS negative register records only debts in arrears, so not being in it is good news. BRKI and NRKI share data with each other, which means the bank also sees your loan from a non-bank company.

Only the registers’ users, that is banks and non-bank lenders in Czechia, report to them. A debt with a Ukrainian bank or any other foreign creditor will therefore not show up there. The one exception is BRKI, which exchanges data with the Slovak SBCB register and the German SCHUFA, and only with your consent. You still have to list foreign loans in your mortgage application.

The insolvency register (isir.justice.cz, public and free) and the Central Register of Enforcements (Centrální evidence exekucí) are not credit registers, but the bank checks them too. Private websites selling “debtor register searches” are not what banks use for mortgages, and their reports tell you nothing useful.

New to Czechia with no credit history?

Then the registers simply have nothing on you, and an empty report is not a black mark. The bank leans on what you can document instead: your employment contract, an income confirmation and statements showing your salary arriving (Raiffeisenbank, for example, asks employees for the last 6 months). A credit report from your home country is not part of the standard Czech check; the one link is BRKI's consent-based exchange with Slovakia and Germany described above. You still have to declare any loans you have abroad.

How the bank uses what it finds

Under § 86 of the Consumer Credit Act the lender must assess your creditworthiness (úvěruschopnost), and it uses debtor databases to do so. The register itself approves or rejects nothing. It supplies data, which the bank feeds into its internal scoring, typically like this:

• at pre-approval the bank often makes its first register query, which shows up in your report as an enquiry;
• payments from the register are subtracted from income when the bank calculates DSTI, because it trusts the register more than your own list of commitments;
• payment discipline over the last 4 years goes into the score, and a positive history (a loan repaid without arrears) helps;
• before drawdown the bank may check the registers again, so a new car loan between approval and signing can stop the mortgage.

For a sense of the weight: at the new-mortgage rate of 5.00 % (ČBA, August 2026), every CZK 1,000 of monthly payments on other loans equals roughly CZK 186,000 of a 30-year mortgage the bank will not lend you.

An unused credit card works the same way: two cards kept “just in case” lower your mortgage limit even if you never draw on them. Cancel them before you apply and check in a fresh report that they are closed. Run your own figures in the How much can I borrow calculator.

How do you get your credit report in Czechia?

1. BRKI and NRKI: fill in the request on kolikmam.cz and verify your identity. Bank identity (bankovní identita, the login from Czech online banking) is fastest; otherwise send a written request with an officially certified signature, or apply in person. Online requests are usually handled quickly, a written one under GDPR within one month at the latest.
2. SOLUS: apply online at solus.cz (again with identity verification) or by post with a certified signature. The report covers every register of the association in which you appear.
3. Insolvency register: search by name and date of birth at isir.justice.cz, no registration needed.

Cost: under Article 15 GDPR the controller must give you the first copy of your personal data free of charge. A fast online report from BRKI or NRKI costs CZK 200 and a SOLUS SMS report CZK 125 (price lists as at 10 October 2026). You do not need an “official” report for the mortgage itself, because the bank downloads the data on its own. The point is to know what the bank will see.

Eight things to check in the report

A BRKI/NRKI report has a table of monthly data for each loan. Go through it with this list:

• Status of the obligation: active or closed? A repaid loan shown as active is the most common error, and the bank will count its payment.
• End date: the four-year period until deletion runs from this date.
• Monthly payment: this goes into the payment-to-income ratio (DSTI).
• Credit card and overdraft limits: banks count them as commitments even when they are unused.
• Days past due in each month: zeros are fine, while anything above zero shows arrears and how long they lasted.
• Your role: debtor, co-borrower (spoludlužník) or guarantor (ručitel). A guarantee for someone else's loan is assessed as your own commitment.
• Enquiries: creditors who asked about you in recent months. Many enquiries in a short time look like a hunt for money at any price.
• Obligations you do not recognise: a loan you never took out may mean someone has misused your documents. Take it up with the creditor and the police straight away.

How do you fix an error in your credit report?

The creditor who entered the data is responsible for getting it right. The fastest route:

1. Write to the creditor with evidence: confirmation of repayment, a bank statement showing the payment, the agreement ending the card. Ask for rectification under Article 16 GDPR.
2. Notify the register at the same time (CBCB/CNCB or SOLUS). It flags the record as disputed, so the bank's credit officer can see you are dealing with it.
3. The controller must respond without undue delay, within one month at the latest.
4. If the creditor does not respond, you can complain to the Office for Personal Data Protection (Úřad pro ochranu osobních údajů).
5. Once the record is corrected, get a new report and attach a copy to your mortgage application.

A correct record cannot be removed. Arrears that really happened stay in the report for the full period, whatever someone charges for “cleaning the register”. What to do with a record like that is covered in our article Mortgage with a credit register record.