The ASB Credit Bureau has the following data available in respect of natural persons:
Reports of the ASB Credit Bureau can be withdrawn by persons authorized by the service provider which has a signed contract with the Association of Serbian Banks concerning the Credit Bureau’s operations.
Reports can only be withdrawn based on the written consent provided by the concerned natural person. The consent provided by a natural person contains the following elements: first name, last name, UPIN, statement about providing the consent, definition of data for which the consent is being provided, purpose of using the data, and the rights of the consent provider. A once given consent may be revoked, pursuant to the Law on Personal Data Protection.
There are two main types of reports for natural persons: reports issued at the request of the service provider, and reports issued at the request of the concerned natural person.
For their own needs, natural persons may obtain a Personal Report and a Personal Report on Guarantees Granted to Legal Entities and Entrepreneurs, in order to gain insight into the data held on them by the banks and other service providers, for the purpose of controlling these data and submitting a potential complaint concerning their accuracy, and for other purposes. The request for withdrawing a report may be filed by the citizens at the banks’ counters or on the premises of the ASB Credit Bureau. The citizens can choose the manner of report delivery (by e-mail, by post, by telefax), or they can collect their reports personally at the Credit Bureau. In addition to this possibility, the citizens have been provided free-of-charge insight into the data held about them by the banks and other service providers. This insight is granted on the premises of the ASB Credit Bureau, 86/I Kralja Aleksandra Boulevard, 11000 Belgrade, on working days (Monday-Friday), from 8 a.m to 3 p.m.
In addition to the above stated ways, the citizens can also withdraw reports at the Credit Bureau’s web portal (www.kreditnibiro.com), if they register previously, either at the portal itself by using new personal identification cards with digital certificates, or at any bank or the ASB Credit Bureau. Additional instructions for using this service can be found at the CB’s web portal.
The first personal report in a calendar year that a natural person withdraws is free of charge.
For the purpose of assessing their clients’ creditworthiness and payment ability, service providers can withdraw individual and mass reports. Individual reports withdrawn by service providers are the following:
Mass reports withdrawn by service providers are: Additional Report and Group Report for Classification of Receivables from Natural persons.
A Credit Bureau report on legal entities and entrepreneurs can be withdrawn by a service provider (bank, leasing company, or other service provider), but also by another legal entity, entrepreneur or natural person, exclusively based on the provided written consent of the legal representative of the legal entity or entrepreneur referred to by the Report.
There are two main types of reports for legal entities and entrepreneurs: reports issued at the request of the service provider, and reports issued at the request of the concerned legal entity or entrepreneur.
For the purpose of creditworthiness assessment, service providers can withdraw the following types of reports for legal entities and entrepreneurs:
Legal entities and entrepreneurs can also withdraw the Own Report for a Legal Entity, or the Own Report for an Entrepreneur. This report is used for the personal needs of the concerned legal entity or entrepreneur, as well as for gaining insight into and controlling the data held about them in the ASB Credit Bureau’s system, and for potential complaints concerning the accuracy of the reported data.
The request for obtaining the Own Report can be filed by the legal representatives of legal entities or by entrepreneurs at any bank or at the Credit Bureau, after which the Report will be delivered in one of the manners stipulated in the Request for Obtaining the Own Report (by telefax, by e-mail, by post or personal collection on the Credit Bureau premises).
Reports can be withdrawn exclusively on the basis of written consent provided by the legal representative of the concerned legal entity or by the concerned entrepreneur.
The consent contains the basic information about the natural person granting its consent (first name, last name, UPIN), name of the concerned legal entity or enterprise, registry number, tax identification number or UPIN of the entrepreneur, purpose of the granted consent, and the rights provided thereof.