SOLUS and BRKI registers
Credit registers the bank consults when assessing an applicant. BRKI (Bankovní registr klientských informací, the Bank Client Information Register) pools banks' data on loans repaid both on time and late. SOLUS is an association of creditors, chiefly telecom operators, energy suppliers and leasing firms, and mainly keeps a negative register of debtors. Data in BRKI and NRKI stay for 4 years after the debt is settled.
Example
An applicant is duly repaying a CZK 300,000 consumer loan, which shows in BRKI as a positive history. Three years ago, though, he forgot a CZK 2,400 phone bill and the operator reported him to SOLUS. A small debt that has been settled need not stop a mortgage, but the bank will ask for an explanation and proof of payment. An unpaid record usually means rejection.
In practice
Request your own report before you apply: BRKI and NRKI are run by CBCB, while SOLUS issues reports from its register itself. Dispute an incorrect record with the creditor who reported it. If you have an old debt, pay it off and keep the proof of payment. Better to read your records yourself than to learn from the bank what the registers hold about you. How to get your reports step by step is described in credit score in Czechia.
How it differs
NRKI is the counterpart of BRKI for non-bank lenders, such as instalment companies, and is run by the same firm. SOLUS stands apart from both and focuses mainly on negative information. The insolvency register, by contrast, is a public state list, and an entry stays in it for 5 years after the proceedings end.
Frequently asked questions
How do you get your credit report in Czechia?
Ask the register operators: CBCB, which runs both, issues your BRKI and NRKI reports, and SOLUS issues reports from its own register. Check them before you apply for a mortgage.
How long does a SOLUS record stay?
Paying the debt does not delete it: a negative record stays for 3 years after payment, or 1 year for telecom and energy debts. In BRKI and NRKI, data stay for 4 years after the debt is settled.
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