{"id":1874,"date":"2026-07-24T16:51:25","date_gmt":"2026-07-24T16:51:25","guid":{"rendered":"https:\/\/stergereistoricbc.ro\/?p=1874"},"modified":"2026-07-26T17:53:10","modified_gmt":"2026-07-26T14:53:10","slug":"ghid-complet-despre-biroul-de-credit","status":"publish","type":"post","link":"https:\/\/stergereistoricbc.ro\/index.php\/2026\/07\/24\/ghid-complet-despre-biroul-de-credit\/","title":{"rendered":"Ghid complet despre Biroul de Credit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1874\" class=\"elementor elementor-1874\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c87a95 e-con e-atomic-element e-flexbox-base e-40b9860 \" data-id=\"4c87a95\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4c87a95\">\n    \t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"c25f059\" id=\"1900\" src=\"https:\/\/stergereistoricbc.ro\/wp-content\/uploads\/2026\/07\/Biroul-de-credit-Tot-ce-trebuie-sa-stii.png\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/stergereistoricbc.ro\/wp-content\/uploads\/2026\/07\/Biroul-de-credit-Tot-ce-trebuie-sa-stii.png 1536w, https:\/\/stergereistoricbc.ro\/wp-content\/uploads\/2026\/07\/Biroul-de-credit-Tot-ce-trebuie-sa-stii-300x200.png 300w, https:\/\/stergereistoricbc.ro\/wp-content\/uploads\/2026\/07\/Biroul-de-credit-Tot-ce-trebuie-sa-stii-1024x683.png 1024w, https:\/\/stergereistoricbc.ro\/wp-content\/uploads\/2026\/07\/Biroul-de-credit-Tot-ce-trebuie-sa-stii-768x512.png 768w\" alt=\"Biroul de credit - Tot ce trebuie sa stii\"\/>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-966463c e-con e-atomic-element e-flexbox-base e-3dfd627 \" data-id=\"966463c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"966463c\">\n    \t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"ea40705\">Biroul de Credit joaca un rol important in procesul de analiza a solicitarilor de credit depuse la banci si institutii financiare nebancare (IFN). Informatiile existente in aceasta baza de date pot influenta aprobarea unui credit, conditiile de finantare si evaluarea bonitatii unei persoane.<br><br>In acest ghid complet vei afla ce este Biroul de Credit, cum functioneaza, cine poate raporta date, ce este scorul FICO, cum poti verifica gratuit raportul tau de credit, ce drepturi ai si in ce situatii poate fi solicitata stergerea unei raportari.<br><br>Indiferent daca doresti sa intelegi mai bine modul de functionare al Biroului de Credit sau cauti informatii despre istoricul tau de credit, acest ghid iti ofera explicatii clare, actualizate si usor de inteles.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-0115338 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"0115338\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h2 class=\"elementor-toc__header-title\">\n\t\t\t\tCuprins\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__0115338\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__0115338\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__0115338\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-39df16b e-con e-atomic-element e-flexbox-base e-17f5d93 \" data-id=\"39df16b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"39df16b\">\n    \t\t\t<h2 data-interaction-id=\"ad0fb46\" class=\"e-heading-base\">Ce este Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"f846566\">Biroul de Credit este o societate privata care administreaza un sistem de evidenta a informatiilor privind istoricul de credit al persoanelor fizice. Acest sistem este utilizat de banci si institutii financiare nebancare (IFN) participante pentru schimbul de informatii necesare evaluarii riscului de credit.<br><br>Scopul principal al Biroului de Credit este de a sprijini institutiile participante in analiza solicitarilor de credit, punand la dispozitie informatii despre istoricul de plata si comportamentul de creditare al persoanelor care solicita o finantare. Aceste informatii contribuie la evaluarea bonitatii solicitantului si la luarea unei decizii privind acordarea unui credit.<br><br>Este important de retinut ca Biroul de Credit nu este o banca si nu acorda credite. De asemenea, acesta nu aproba si nu respinge cererile de finantare. Decizia finala apartine exclusiv bancii sau institutiei financiare care analizeaza solicitarea, in functie de propriile criterii de evaluare si de politica interna de creditare.<br><br>In cadrul sistemului Biroului de Credit pot fi prelucrate informatii referitoare la creditele aflate in derulare sau finalizate, istoricul platilor, eventualele restante, solicitarile de credit, precum si alte date prevazute de regulile aplicabile. Informatiile sunt furnizate de participantii la sistem si sunt actualizate periodic.<br><br>Pentru persoanele care solicita un credit, intelegerea modului de functionare al Biroului de Credit este importanta, deoarece informatiile existente in raportul de credit pot influenta analiza unei cereri de finantare. In capitolele urmatoare vei afla cum functioneaza Biroul de Credit, cine poate raporta date, ce este scorul FICO, cum poti verifica gratuit raportul tau de credit si care sunt drepturile pe care le ai in legatura cu prelucrarea acestor informatii.<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-3c99fa3 e-con e-atomic-element e-flexbox-base e-3c99fa3-88ce9f8 \" data-id=\"3c99fa3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3c99fa3\">\n    \t\t\t<h2 data-interaction-id=\"280037a\" class=\"e-heading-base\">Cum functioneaza Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"81dee03\">Biroul de Credit functioneaza ca un sistem de schimb de informatii intre bancile si institutiile financiare nebancare (IFN) participante. Atunci cand o persoana solicita un credit sau are deja un credit activ, institutiile participante pot transmite si consulta anumite informatii, in conditiile prevazute de lege si de regulile aplicabile.<br><br>In momentul in care depui o cerere de credit, institutia financiara poate consulta raportul tau din Biroul de Credit pentru a obtine o imagine de ansamblu asupra istoricului tau de creditare. Acest raport poate contine informatii despre creditele existente sau anterioare, istoricul platilor, eventualele restante, solicitarile de credit si alte date relevante pentru evaluarea riscului de credit.<br><br>Pe parcursul derularii unui credit, participantii la sistem pot actualiza periodic informatiile transmise catre Biroul de Credit. Astfel, raportul de credit reflecta evolutia relatiei dintre client si institutiile financiare participante, in conformitate cu regulile aplicabile.<br><br>Informatiile existente in Biroul de Credit reprezinta doar unul dintre elementele analizate atunci cand o banca sau un IFN evalueaza o cerere de finantare. Fiecare institutie are propriile criterii de analiza, iar decizia de aprobare sau respingere a unui credit apartine exclusiv acesteia.<br><br>Este important de retinut ca Biroul de Credit nu decide cine primeste sau nu un credit. Rolul sau este acela de a pune la dispozitia participantilor informatiile existente in sistem, pentru a sprijini procesul de analiza a solicitarilor de credit.<br><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1704901 e-con e-atomic-element e-flexbox-base e-1704901-63230dd \" data-id=\"1704901\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1704901\">\n    \t\t\t<h2 data-interaction-id=\"f51b3bc\" class=\"e-heading-base\">Cine raporteaza in Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"b74cca0\">Informatiile din Biroul de Credit sunt transmise de participantii la sistem, respectiv de bancile, institutiile financiare nebancare (IFN) si alte institutii care au calitatea de participant, in conformitate cu regulile Biroului de Credit si cu legislatia aplicabila.<br><br>Participantii au posibilitatea de a transmite informatii privind creditele acordate, istoricul de plata, eventualele restante, solicitarile de credit si alte date prevazute de regulile sistemului. Aceste informatii sunt actualizate periodic, astfel incat raportul de credit sa reflecte situatia existenta la momentul consultarii.<br><br>Nu toate institutiile financiare din Romania raporteaza in Biroul de Credit. Doar institutiile care sunt participante la sistem pot transmite si consulta informatii. De asemenea, fiecare participant este responsabil pentru corectitudinea si actualizarea datelor pe care le comunica.<br><br>Este important de retinut ca Biroul de Credit nu modifica si nu completeaza din proprie initiativa informatiile primite. Acesta prelucreaza datele transmise de participanti, iar responsabilitatea privind exactitatea acestora revine institutiei care le-a raportat.<br><br>Daca o persoana considera ca anumite informatii sunt inexacte sau au fost raportate necorespunzator, aceasta poate solicita verificarea si, dupa caz, corectarea sau actualizarea datelor, conform procedurilor prevazute de lege.<br><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-ef7d777 e-con e-atomic-element e-flexbox-base e-ef7d777-2645a5b \" data-id=\"ef7d777\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ef7d777\">\n    \t\t\t<h2 data-interaction-id=\"f054626\" class=\"e-heading-base\">Ce date sunt stocate in Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"44bb073\">Biroul de Credit prelucreaza mai multe categorii de date referitoare la persoanele fizice care solicita sau obtin un produs de tip credit de la participantii la sistem. Scopul prelucrarii acestor informatii este de a sprijini institutiile financiare in evaluarea bonitatii si a riscului de credit, in conditiile prevazute de lege.<br><br>Printre datele care pot fi prelucrate se numara datele de identificare ale persoanei, precum numele, prenumele, CNP-ul, data nasterii, adresa si alte informatii necesare identificarii solicitantului. De asemenea, pot fi prelucrate date referitoare la angajator, atunci cand acestea sunt necesare in cadrul procesului de creditare.<br><br>Raportul de Credit poate include informatii despre produsele de credit solicitate sau acordate, cum ar fi tipul creditului, data acordarii, valoarea acestuia, perioada de rambursare, soldul ramas, ratele scadente, istoricul platilor, eventualele restante si numarul de zile de intarziere. In anumite situatii, sunt prelucrate si informatii privind refinantarea, restructurarea, cesiunea contractului de credit sau alte evenimente aparute pe parcursul derularii creditului.<br><br>De asemenea, Biroul de Credit poate prelucra informatii referitoare la solicitarile de credit, calitatea de codebitor sau garant, precum si numarul interogarilor efectuate de participanti asupra Raportului de Credit. In anumite cazuri, pot exista si informatii privind deschiderea unei proceduri de insolventa, daca acestea sunt aplicabile.<br><br>Este important de retinut ca Biroul de Credit nu creeaza si nu modifica din proprie initiativa aceste informatii. Datele sunt transmise de participantii la sistem, iar responsabilitatea privind corectitudinea si actualizarea lor revine institutiei care le-a raportat.<br><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-af099ab e-con e-atomic-element e-flexbox-base e-af099ab-f6d21a0 \" data-id=\"af099ab\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"af099ab\">\n    \t\t\t<h2 data-interaction-id=\"1bb1679\" class=\"e-heading-base\">Ce este scorul FICO?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"45299c1\">Scorul FICO este un indicator numeric utilizat pentru evaluarea riscului de credit al unei persoane fizice. Acesta este calculat pe baza informatiilor existente in Raportul de Credit si are rolul de a oferi institutiilor financiare o imagine sintetica asupra istoricului de creditare al solicitantului.<br><br>Scorul FICO nu reprezinta o decizie privind acordarea unui credit si nu garanteaza aprobarea sau respingerea unei solicitari de finantare. Acesta este doar unul dintre elementele pe care bancile si institutiile financiare nebancare (IFN) il pot lua in considerare atunci cand analizeaza o cerere de credit, alaturi de venituri, gradul de indatorare, stabilitatea financiara si alte criterii proprii.<br><br>In general, un scor FICO mai ridicat poate indica un istoric de plata mai bun si un risc de credit mai redus, in timp ce un scor mai mic poate reflecta un risc mai mare din perspectiva institutiei financiare. Cu toate acestea, fiecare banca sau IFN utilizeaza propriile politici de creditare si poate interpreta diferit acest indicator.<br><br>Scorul FICO este influentat de mai multi factori, printre care istoricul platilor, existenta restantelor, numarul si tipul creditelor, solicitarile recente de finantare si alte informatii cuprinse in Raportul de Credit. Din acest motiv, mentinerea unui comportament financiar responsabil poate contribui la imbunatatirea scorului in timp.<br><br>Persoanele fizice isi pot consulta gratuit Raportul de Credit si scorul FICO prin intermediul platformei puse la dispozitie de Biroul de Credit, conform conditiilor stabilite de acesta.<br><br><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-8167261 e-con e-atomic-element e-flexbox-base e-8167261-c60710f \" data-id=\"8167261\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8167261\">\n    \t\t\t<h2 data-interaction-id=\"3d250a7\" class=\"e-heading-base\">Ce poate influenta scorul FICO?<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e77c56 elementor-widget elementor-widget-html\" data-id=\"5e77c56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"overflow-x:auto; margin:30px 0;\">\r\n\r\n<table style=\"width:100%; border-collapse:collapse; font-size:16px; line-height:1.7; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;\">\r\n\r\n<thead>\r\n<tr style=\"background:#f3f7f4;\">\r\n<th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700;\">\r\nFactor\r\n<\/th>\r\n\r\n<th style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-weight:700;\">\r\nPoate influenta scorul FICO?\r\n<\/th>\r\n<\/tr>\r\n<\/thead>\r\n\r\n<tbody>\r\n\r\n<tr style=\"background:#ffffff;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nPlata ratelor la timp\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px; color:#16a34a;\">\r\n\u2714\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#fafafa;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nRestante la credite\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px; color:#16a34a;\">\r\n\u2714\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#ffffff;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nSolicitari repetate de credite\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px; color:#16a34a;\">\r\n\u2714\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#fafafa;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nNumarul creditelor existente\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px; color:#16a34a;\">\r\n\u2714\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#ffffff;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nIstoricul de credit\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px; color:#16a34a;\">\r\n\u2714\r\n<\/td>\r\n<\/tr>\r\n\r\n<\/tbody>\r\n\r\n<\/table>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"c17404a\"><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-c3de9c9 e-con e-atomic-element e-flexbox-base e-c3de9c9-3598e5e \" data-id=\"c3de9c9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c3de9c9\">\n    \t\t\t<h2 data-interaction-id=\"0e1277c\" class=\"e-heading-base\">Cum verifici gratuit raportul din Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"e1e724c\">Orice persoana fizica are dreptul de a solicita acces la propriile date prelucrate de Biroul de Credit. Una dintre cele mai simple modalitati este utilizarea platformei oficiale puse la dispozitie de Biroul de Credit, unde iti poti crea un cont si poti solicita Raportul de Credit.<br><br>Procesul de verificare presupune inregistrarea pe platforma, confirmarea identitatii si transmiterea unei solicitari pentru emiterea Raportului de Credit. Dupa procesarea cererii, raportul poate fi consultat direct din contul tau sau descarcat, in functie de serviciul solicitat.<br><br>Raportul de Credit iti ofera o imagine de ansamblu asupra istoricului tau de creditare. Acesta poate contine informatii despre creditele active si inchise, istoricul platilor, eventualele restante, solicitarile de credit, calitatea de codebitor sau garant, precum si alte date raportate de participantii la sistem.<br><br>Verificarea propriului Raport de Credit este recomandata inainte de a solicita un nou credit, deoarece iti permite sa verifici daca informatiile existente sunt corecte si actualizate. In cazul in care observi date pe care le consideri inexacte, poti solicita verificarea si, daca este cazul, corectarea acestora, urmand procedurile prevazute de lege.<br><br><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-eb76965 e-con e-atomic-element e-flexbox-base e-eb76965-9b2221a \" data-id=\"eb76965\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"eb76965\">\n    \t\t\t<h2 data-interaction-id=\"9358f46\" class=\"e-heading-base\">Cum interpretezi raportul din Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"5cb5e72\">Raportul de Credit contine informatii despre istoricul tau de creditare si poate fi utilizat pentru a verifica daca datele raportate de participantii la sistem sunt corecte si actualizate. Intelegerea acestor informatii te poate ajuta sa identifici eventuale neconcordante inainte de a solicita un nou credit.<br><br>Primul aspect pe care ar trebui sa il verifici este corectitudinea datelor de identificare. Asigura-te ca numele, prenumele, CNP-ul si celelalte informatii personale sunt corecte, deoarece orice eroare poate afecta identificarea ta in sistem.<br><br>In continuare, analizeaza lista creditelor raportate. Verifica daca toate creditele mentionate iti apartin, daca statusul acestora este corect si daca soldurile afisate corespund situatiei reale. De asemenea, este recomandat sa verifici istoricul platilor si eventualele restante raportate.<br><br>Raportul poate contine si informatii despre solicitarile de credit efectuate, precum si despre institutiile care au consultat Raportul de Credit. Aceste date iti pot oferi o imagine de ansamblu asupra activitatii tale de creditare din ultimii ani.<br><br>Daca raportul include scorul FICO, acesta reprezinta un indicator utilizat de unele institutii financiare in evaluarea riscului de credit. Scorul nu garanteaza aprobarea sau respingerea unui credit, ci reprezinta doar unul dintre elementele care pot fi luate in considerare in procesul de analiza.<br><br>In cazul in care identifici informatii pe care le consideri inexacte, incomplete sau neactualizate, este recomandat sa soliciti clarificari institutiei care a raportat datele sau sa urmezi procedurile prevazute pentru verificarea si, dupa caz, corectarea acestora.<br><br><br><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e276d5 elementor-widget elementor-widget-html\" data-id=\"1e276d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"overflow-x:auto; margin:30px 0;\">\r\n\r\n<table style=\"width:100%; border-collapse:collapse; font-size:16px; line-height:1.7; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;\">\r\n\r\n<thead>\r\n<tr style=\"background:#f3f7f4;\">\r\n<th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700;\">\r\nCe trebuie sa verifici\r\n<\/th>\r\n\r\n<th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700;\">\r\nDe ce este important\r\n<\/th>\r\n<\/tr>\r\n<\/thead>\r\n\r\n<tbody>\r\n\r\n<tr style=\"background:#ffffff;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nDatele personale\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb;\">\r\nPentru a confirma ca raportul iti apartine si ca datele de identificare sunt corecte.\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#fafafa;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nCreditele raportate\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb;\">\r\nPentru a verifica daca toate creditele mentionate iti apartin si daca statusul acestora este corect.\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#ffffff;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nIstoricul platilor\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb;\">\r\nPentru a identifica eventuale intarzieri sau restante raportate.\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#fafafa;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nSoldurile creditelor\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb;\">\r\nPentru a verifica daca sumele afisate sunt actualizate si corespund situatiei reale.\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#ffffff;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nSolicitarile de credit\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb;\">\r\nPentru a vedea cand si la ce institutii au fost inregistrate cereri de finantare.\r\n<\/td>\r\n<\/tr>\r\n\r\n<tr style=\"background:#fafafa;\">\r\n<td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600;\">\r\nScorul FICO\r\n<\/td>\r\n\r\n<td style=\"padding:18px; border:1px solid #e5e7eb;\">\r\nPentru a intelege unul dintre indicatorii care pot fi utilizati in evaluarea riscului de credit.\r\n<\/td>\r\n<\/tr>\r\n\r\n<\/tbody>\r\n\r\n<\/table>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-d16a677 e-con e-atomic-element e-flexbox-base e-d16a677-3b6668f \" data-id=\"d16a677\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d16a677\">\n    \t\t\t<h2 data-interaction-id=\"3e0663e\" class=\"e-heading-base\">Cat timp raman datele in Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"392b40e\">Perioada de stocare a datelor in Biroul de Credit depinde de categoria informatiilor prelucrate si de scopul pentru care acestea sunt utilizate. Pentru anumite categorii de date, legislatia si regulile aplicabile prevad termene specifice de pastrare.<br><br>In cazul informatiilor referitoare la restantele la plata, acestea sunt, in general, prelucrate pentru o perioada de <strong>4 ani de la data achitarii restantei sau de la data ultimei actualizari transmise de participant<\/strong>, in conformitate cu regulile aplicabile sistemului Biroului de Credit.<br><br>Nu toate informatiile existente in Raportul de Credit sunt pastrate pentru aceeasi perioada. De exemplu, solicitarile de credit, creditele aflate in derulare sau alte categorii de date pot avea termene de prelucrare diferite, stabilite de regulile Biroului de Credit si de legislatia aplicabila.<br><br>La expirarea perioadei de prelucrare prevazute pentru fiecare categorie de date, acestea sunt eliminate din sistem, cu exceptia situatiilor in care exista un temei legal care justifica prelucrarea lor pentru o perioada diferita.<br><br>Daca ai nelamuriri cu privire la perioada de pastrare a unor informatii din Raportul de Credit sau consideri ca anumite date sunt prelucrate fara respectarea prevederilor legale, poti solicita informatii participantului care a raportat datele sau Biroului de Credit, in functie de situatia concreta.<br><br><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-27a6bd1 elementor-widget elementor-widget-html\" data-id=\"27a6bd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"overflow-x:auto; margin:30px 0;\">\r\n\r\n  <table style=\"width:100%; border-collapse:collapse; font-size:16px; line-height:1.7; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;\">\r\n\r\n    <thead>\r\n      <tr style=\"background:#f3f7f4;\">\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Tip informatie\r\n        <\/th>\r\n\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Perioada de prelucrare*\r\n        <\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n\r\n    <tbody>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Restante raportate\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          In general, pana la 4 ani de la achitarea restantei sau de la ultima actualizare.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Solicitari de credit\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Conform regulilor aplicabile fiecarei categorii de date.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Credite active\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Pe durata derularii contractului si conform regulilor aplicabile.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n    <\/tbody>\r\n\r\n  <\/table>\r\n\r\n  <p style=\"margin-top:12px; font-size:14px; line-height:1.6; color:#5f6368;\">\r\n    * Perioadele pot varia in functie de categoria de date si de temeiul legal al prelucrarii.\r\n  <\/p>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-61874c2 e-con e-atomic-element e-flexbox-base e-61874c2-04a463b \" data-id=\"61874c2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"61874c2\">\n    \t\t\t<h2 data-interaction-id=\"38de28e\" class=\"e-heading-base\">Drepturile tale privind datele din Biroul de Credit<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"bb461a3\">Persoanele ale caror date sunt prelucrate in cadrul Biroului de Credit beneficiaza de drepturile prevazute de Regulamentul General privind Protectia Datelor (GDPR) si de legislatia nationala aplicabila. Aceste drepturi pot fi exercitate in conditiile si limitele prevazute de lege.<br><br><br>Unul dintre cele mai importante drepturi este dreptul de acces, care iti permite sa soliciti informatii despre datele personale prelucrate si sa obtii o copie a Raportului de Credit. De asemenea, ai dreptul sa verifici daca informatiile existente sunt corecte si actualizate.<br><br>Daca identifici date inexacte sau incomplete, poti solicita rectificarea acestora. Cererea poate fi adresata institutiei care a raportat datele sau, dupa caz, Biroului de Credit, urmand procedurile aplicabile.<br><br>In anumite situatii prevazute de lege, poti solicita stergerea datelor, restrictionarea prelucrarii sau te poti opune prelucrarii acestora. Fiecare solicitare este analizata in functie de temeiul juridic al prelucrarii si de circumstantele concrete ale fiecarui caz.<br><br>Daca consideri ca drepturile tale nu au fost respectate, ai posibilitatea de a te adresa participantului care a raportat datele, Biroului de Credit sau Autoritatii Nationale de Supraveghere a Prelucrarii Datelor cu Caracter Personal (ANSPDCP). De asemenea, legea iti ofera posibilitatea de a te adresa instantelor competente pentru apararea drepturilor tale.<br><br><br><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e576f8 elementor-widget elementor-widget-html\" data-id=\"0e576f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"overflow-x:auto; margin:30px 0;\">\r\n\r\n  <table style=\"width:100%; border-collapse:collapse; font-size:16px; line-height:1.7; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;\">\r\n\r\n    <thead>\r\n      <tr style=\"background:#f3f7f4;\">\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Drept\r\n        <\/th>\r\n\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Ce inseamna\r\n        <\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n\r\n    <tbody>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul de acces\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Poti solicita informatii despre datele tale prelucrate si poti obtine o copie a Raportului de Credit.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul la rectificare\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Poti solicita corectarea datelor personale inexacte sau completarea informatiilor incomplete.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul la stergere\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Poti solicita stergerea datelor in anumite situatii prevazute de lege. Acest drept nu se aplica automat in orice situatie.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul la restrictionarea prelucrarii\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Poti solicita limitarea utilizarii datelor tale in anumite situatii, de exemplu pe durata verificarii exactitatii acestora.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul la opozitie\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Te poti opune prelucrarii datelor in anumite conditii, tinand cont de temeiul juridic si de situatia concreta.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul de a depune o plangere\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Te poti adresa ANSPDCP daca apreciezi ca datele tale au fost prelucrate cu incalcarea legislatiei privind protectia datelor.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dreptul de a te adresa instantei\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Poti solicita apararea drepturilor tale in fata instantei competente, in conditiile prevazute de lege.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n    <\/tbody>\r\n\r\n  <\/table>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-94cfe00 e-con e-atomic-element e-flexbox-base e-94cfe00-0cde3e0 \" data-id=\"94cfe00\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"94cfe00\">\n    \t\t\t<h2 data-interaction-id=\"b8330d0\" class=\"e-heading-base\">Cand poate fi solicitata stergerea din Biroul de Credit?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"21ce4b7\">In anumite situatii, o persoana poate solicita verificarea si, dupa caz, stergerea unor date prelucrate in Biroul de Credit. Fiecare solicitare este analizata individual, in functie de circumstantele concrete ale cazului, de documentele disponibile si de temeiul juridic aplicabil.<br><br>Simplul fapt ca o raportare exista in Biroul de Credit nu inseamna automat ca aceasta poate fi stearsa. Datele raportate pot fi prelucrate pentru perioadele prevazute de lege sau de regulile aplicabile, iar o solicitare de stergere va fi analizata in functie de legalitatea raportarii si de respectarea drepturilor persoanei vizate.<br><br>Exista insa situatii in care poate fi justificata solicitarea verificarii unei raportari. De exemplu, atunci cand exista suspiciuni privind exactitatea datelor, raportarea a fost efectuata cu incalcarea prevederilor legale, anumite informatii nu au fost actualizate corespunzator sau exista alte motive care impun reanalizarea situatiei.<br><br>In practica, fiecare caz trebuie analizat individual. Documentele aferente contractului de credit, istoricul raportarii, comunicarile dintre parti si celelalte imprejurari specifice pot influenta modul in care este solutionata o solicitare privind datele existente in Biroul de Credit.<br><br>Daca ai identificat o raportare pe care o consideri incorecta sau doresti sa afli daca situatia ta poate face obiectul unei verificari, este recomandat sa soliciti o analiza a documentelor si a circumstantelor concrete ale cazului tau.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-e729bf1 elementor-widget elementor-widget-html\" data-id=\"e729bf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"overflow-x:auto; margin:30px 0;\">\r\n\r\n  <table style=\"width:100%; border-collapse:collapse; font-size:16px; line-height:1.7; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;\">\r\n\r\n    <thead>\r\n      <tr style=\"background:#f3f7f4;\">\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Situatie\r\n        <\/th>\r\n\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-weight:700; vertical-align:middle;\">\r\n          Poate fi solicitata verificarea?\r\n        <\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n\r\n    <tbody>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Date personale incorecte\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px;\">\r\n          \u2714 Da\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Raportare pe care o consideri nejustificata\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px;\">\r\n          \u2714 Da\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Informatii neactualizate\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px;\">\r\n          \u2714 Da\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Suspiciuni privind respectarea procedurilor legale\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center; font-size:20px;\">\r\n          \u2714 Da\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Dorinta de eliminare a unei raportari corecte\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; text-align:center;\">\r\n          Se analizeaza in functie de situatia concreta si de temeiul legal.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n    <\/tbody>\r\n\r\n  <\/table>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-ced722d e-con e-atomic-element e-flexbox-base e-ced722d-43d69a8 \" data-id=\"ced722d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ced722d\">\n    \t\t\t<h2 data-interaction-id=\"ce8b8d9\" class=\"e-heading-base\">Mituri frecvente despre Biroul de Credit<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"746f41f\">In jurul Biroului de Credit exista numeroase informatii incomplete sau interpretate gresit. Aceste mituri pot crea confuzie si ii pot determina pe oameni sa ia decizii bazate pe informatii incorecte. Mai jos sunt prezentate cateva dintre cele mai frecvente mituri si explicatiile corespunzatoare.<br><br><strong id=\"e-mrz8d23y-49eo6u2\">Mitul 1:<\/strong> <em id=\"e-mrz8d23z-awyjs3s\">Daca esti in Biroul de Credit, nu mai poti obtine niciodata un credit.<\/em><br><strong id=\"e-mrz8d23z-fkgxn06\">Realitate:<\/strong> Prezenta in Biroul de Credit nu inseamna automat ca o cerere de credit va fi respinsa. Fiecare banca sau IFN analizeaza solicitarile folosind propriile criterii de creditare, iar Raportul de Credit reprezinta doar unul dintre elementele evaluate.<br><br><strong id=\"e-mrz8d23z-8ejqdbz\">Mitul 2: <\/strong><em id=\"e-mrz8d23z-cq0qr3x\">Biroul de Credit decide daca primesti sau nu un credit.<\/em><br><strong id=\"e-mrz8d23z-nlomcjk\">Realitate:<\/strong> Biroul de Credit nu aproba si nu respinge cereri de credit. Decizia apartine exclusiv bancii sau institutiei financiare care analizeaza solicitarea.<br><br><strong id=\"e-mrz8d23z-lsonv4f\">Mitul 3:<\/strong> <em id=\"e-mrz8d23z-67zij67\">Toate datele raman permanent in Biroul de Credit<\/em>.<br><strong id=\"e-mrz8d23z-eoblufj\">Realitate:<\/strong> Datele nu sunt pastrate permanent. Fiecare categorie de informatii este prelucrata pentru perioada prevazuta de regulile aplicabile si de legislatia in vigoare.<br><br><strong id=\"e-mrz8d23z-uxtiimv\">Mitul 4: <\/strong><em id=\"e-mrz8d23z-alt0647\">Orice raportare poate fi stearsa la cerere<\/em>.<br><strong id=\"e-mrz8d23z-g93t5en\">Realitate:<\/strong> Nu orice raportare poate fi eliminata doar la solicitarea persoanei vizate. Fiecare situatie trebuie analizata individual, in functie de imprejurarile concrete si de temeiul legal aplicabil.<br><br><strong id=\"e-mrz8d23z-rwlwnpw\">Mitul 5:<\/strong> <em id=\"e-mrz8d23z-ppl9a54\">Verificarea propriului Raport de Credit iti scade scorul FICO<\/em>.<br><strong id=\"e-mrz8d23z-wy6uym6\">Realitate:<\/strong> Consultarea propriului Raport de Credit nu afecteaza scorul FICO. Este recomandat sa verifici periodic raportul pentru a te asigura ca informatiile sunt corecte si actualizate.<br><br><br><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-b146fe8 elementor-widget elementor-widget-html\" data-id=\"b146fe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"overflow-x:auto; margin:30px 0;\">\r\n\r\n  <table style=\"width:100%; border-collapse:collapse; font-size:16px; line-height:1.7; border:1px solid #e5e7eb; border-radius:8px; overflow:hidden;\">\r\n\r\n    <thead>\r\n      <tr style=\"background:#f3f7f4;\">\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Mit\r\n        <\/th>\r\n\r\n        <th style=\"padding:18px; border:1px solid #e5e7eb; text-align:left; font-weight:700; vertical-align:middle;\">\r\n          Realitate\r\n        <\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n\r\n    <tbody>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Daca esti in Biroul de Credit nu mai poti obtine un credit.\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Fiecare cerere este analizata individual de banca sau IFN, folosind propriile criterii de creditare.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Biroul de Credit decide aprobarea sau respingerea unui credit.\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Decizia apartine exclusiv bancii sau institutiei financiare care analizeaza solicitarea.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Datele raman permanent in Biroul de Credit.\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Datele sunt prelucrate pentru perioadele prevazute de regulile aplicabile si de legislatia in vigoare.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#fafafa;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Orice raportare poate fi stearsa la cerere.\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Fiecare solicitare este analizata individual, in functie de circumstantele cazului si de temeiul legal aplicabil.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n      <tr style=\"background:#ffffff;\">\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; font-weight:600; vertical-align:middle;\">\r\n          Verificarea propriului Raport de Credit iti scade scorul FICO.\r\n        <\/td>\r\n\r\n        <td style=\"padding:18px; border:1px solid #e5e7eb; vertical-align:middle;\">\r\n          Consultarea propriului Raport de Credit nu influenteaza scorul FICO.\r\n        <\/td>\r\n      <\/tr>\r\n\r\n    <\/tbody>\r\n\r\n  <\/table>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-70fb9d2 e-con e-atomic-element e-flexbox-base e-70fb9d2-bd08629 \" data-id=\"70fb9d2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"70fb9d2\">\n    \t\t\t<h2 data-interaction-id=\"fa4fe4f\" class=\"e-heading-base\">Intrebari frecvente despre Biroul de Credit<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-f27bea7 elementor-widget elementor-widget-n-accordion\" data-id=\"f27bea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2540\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2540\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cum aflu daca sunt raportat in Biroul de Credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2540\" class=\"elementor-element elementor-element-93d5a8f e-con-full e-flex e-con e-child\" data-id=\"93d5a8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"987ef99\">Poti afla daca esti raportat in Biroul de Credit solicitand gratuit Raportul de Credit prin platforma oficiala a Biroului de Credit. Raportul iti arata daca exista raportari pe numele tau, istoricul acestora si alte informatii privind creditele inregistrate.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2541\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2541\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Ce inseamna o restanta raportata in Biroul de Credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2541\" class=\"elementor-element elementor-element-e7f2f57 e-con-full e-flex e-con e-child\" data-id=\"e7f2f57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"d5b34f6\">O restanta raportata in Biroul de Credit indica faptul ca o institutie participanta a transmis informatii privind neplata sau plata cu intarziere a obligatiilor aferente unui credit. Detaliile raportarii pot fi consultate in Raportul de Credit, impreuna cu celelalte informatii privind istoricul de credit al persoanei.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2542\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2542\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Pot fi raportat in Biroul de Credit daca sunt codebitor sau garant? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2542\" class=\"elementor-element elementor-element-d4a1f29 e-con-full e-flex e-con e-child\" data-id=\"d4a1f29\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"02494c8\">Da. In anumite situatii, si codebitorii sau garantii pot fi raportati in Biroul de Credit, in functie de obligatiile asumate prin contractul de credit si de modul de derulare a acestuia. Informatiile aferente pot fi consultate in Raportul de Credit.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2543\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2543\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">  Toate bancile si IFN-urile raporteaza in Biroul de Credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2543\" class=\"elementor-element elementor-element-2678a41 e-con-full e-flex e-con e-child\" data-id=\"2678a41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"0569052\">Nu. Raportarea in Biroul de Credit este realizata de institutiile participante. Lista acestora poate include banci, IFN-uri si alte institutii financiare care au aderat la sistemul Biroului de Credit.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2544\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2544\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Exista costuri pentru obtinerea Raportului de Credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2544\" class=\"elementor-element elementor-element-0f8df9b e-con-full e-flex e-con e-child\" data-id=\"0f8df9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"9604fa8\">Nu. Persoanele fizice pot obtine gratuit Raportul de Credit prin intermediul platformei oficiale a Biroului de Credit, dupa parcurgerea procedurii de identificare.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2545\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2545\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Raportul din Biroul de Credit poate fi consultat de orice persoana? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2545\" class=\"elementor-element elementor-element-9346c4a e-con-full e-flex e-con e-child\" data-id=\"9346c4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"ea87667\">Nu. Raportul de Credit contine date cu caracter personal si poate fi consultat doar de persoana vizata sau de entitatile care au un temei legal pentru accesarea acestor informatii, in conditiile prevazute de lege.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2546\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2546\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cum pot solicita corectarea unei informatii pe care o consider incorecta? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2546\" class=\"elementor-element elementor-element-ad29cd2 e-con-full e-flex e-con e-child\" data-id=\"ad29cd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"036fc1f\">Daca identifici o informatie pe care o consideri incorecta sau incompleta, poti solicita verificarea si, dupa caz, corectarea acesteia, adresandu-te institutiei care a efectuat raportarea sau Biroului de Credit, conform procedurilor aplicabile.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2547\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2547\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cui ma adresez daca am nelamuriri privind datele din Raportul de Credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2547\" class=\"elementor-element elementor-element-66c58e1 e-con-full e-flex e-con e-child\" data-id=\"66c58e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"6b9d03e\">Daca ai nelamuriri privind informatiile din Raportul de Credit, te poti adresa institutiei care a efectuat raportarea sau Biroului de Credit, in functie de natura solicitarii.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2548\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2548\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Ce diferenta exista intre Biroul de Credit si Centrala Riscului de Credit (CRC)? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2548\" class=\"elementor-element elementor-element-e6051ec e-con-full e-flex e-con e-child\" data-id=\"e6051ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"65d696b\">Biroul de Credit si Centrala Riscului de Credit (CRC) sunt doua sisteme diferite. Biroul de Credit prelucreaza informatii privind istoricul de credit al persoanelor fizice, in timp ce CRC, administrata de Banca Nationala a Romaniei, centralizeaza informatii referitoare la riscul de credit, conform reglementarilor aplicabile.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2549\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2549\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cum pot imbunatati istoricul meu de credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2549\" class=\"elementor-element elementor-element-461cd7c e-con-full e-flex e-con e-child\" data-id=\"461cd7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"83a75a9\">Un istoric de credit poate fi imbunatatit prin gestionarea responsabila a obligatiilor financiare, plata la timp a ratelor si evitarea acumularii de restante. De asemenea, este recomandata verificarea periodica a Raportului de Credit pentru a te asigura ca informatiile prelucrate sunt corecte si actualizate.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-25410\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-25410\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cum pot afla cine a consultat Raportul meu de Credit? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-25410\" class=\"elementor-element elementor-element-c2e01f1 e-con-full e-flex e-con e-child\" data-id=\"c2e01f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"c140737\">Raportul de Credit contine si informatii privind consultarile efectuate de institutiile participante. Astfel, poti verifica ce entitati au accesat datele tale si in ce perioada, conform informatiilor disponibile in raport.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Cum aflu daca sunt raportat in Biroul de Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Poti afla daca esti raportat in Biroul de Credit solicitand gratuit Raportul de Credit prin platforma oficiala a Biroului de Credit. Raportul iti arata daca exista raportari pe numele tau, istoricul acestora si alte informatii privind creditele inregistrate.\"}},{\"@type\":\"Question\",\"name\":\"Ce inseamna o restanta raportata in Biroul de Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"O restanta raportata in Biroul de Credit indica faptul ca o institutie participanta a transmis informatii privind neplata sau plata cu intarziere a obligatiilor aferente unui credit. Detaliile raportarii pot fi consultate in Raportul de Credit, impreuna cu celelalte informatii privind istoricul de credit al persoanei.\"}},{\"@type\":\"Question\",\"name\":\"Pot fi raportat in Biroul de Credit daca sunt codebitor sau garant?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Da. In anumite situatii, si codebitorii sau garantii pot fi raportati in Biroul de Credit, in functie de obligatiile asumate prin contractul de credit si de modul de derulare a acestuia. Informatiile aferente pot fi consultate in Raportul de Credit.\"}},{\"@type\":\"Question\",\"name\":\"Toate bancile si IFN-urile raporteaza in Biroul de Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nu. Raportarea in Biroul de Credit este realizata de institutiile participante. Lista acestora poate include banci, IFN-uri si alte institutii financiare care au aderat la sistemul Biroului de Credit.\"}},{\"@type\":\"Question\",\"name\":\"Exista costuri pentru obtinerea Raportului de Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nu. Persoanele fizice pot obtine gratuit Raportul de Credit prin intermediul platformei oficiale a Biroului de Credit, dupa parcurgerea procedurii de identificare.\"}},{\"@type\":\"Question\",\"name\":\"Raportul din Biroul de Credit poate fi consultat de orice persoana?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nu. Raportul de Credit contine date cu caracter personal si poate fi consultat doar de persoana vizata sau de entitatile care au un temei legal pentru accesarea acestor informatii, in conditiile prevazute de lege.\"}},{\"@type\":\"Question\",\"name\":\"Cum pot solicita corectarea unei informatii pe care o consider incorecta?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Daca identifici o informatie pe care o consideri incorecta sau incompleta, poti solicita verificarea si, dupa caz, corectarea acesteia, adresandu-te institutiei care a efectuat raportarea sau Biroului de Credit, conform procedurilor aplicabile.\"}},{\"@type\":\"Question\",\"name\":\"Cui ma adresez daca am nelamuriri privind datele din Raportul de Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Daca ai nelamuriri privind informatiile din Raportul de Credit, te poti adresa institutiei care a efectuat raportarea sau Biroului de Credit, in functie de natura solicitarii.\"}},{\"@type\":\"Question\",\"name\":\"Ce diferenta exista intre Biroul de Credit si Centrala Riscului de Credit (CRC)?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Biroul de Credit si Centrala Riscului de Credit (CRC) sunt doua sisteme diferite. Biroul de Credit prelucreaza informatii privind istoricul de credit al persoanelor fizice, in timp ce CRC, administrata de Banca Nationala a Romaniei, centralizeaza informatii referitoare la riscul de credit, conform reglementarilor aplicabile.\"}},{\"@type\":\"Question\",\"name\":\"Cum pot imbunatati istoricul meu de credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un istoric de credit poate fi imbunatatit prin gestionarea responsabila a obligatiilor financiare, plata la timp a ratelor si evitarea acumularii de restante. De asemenea, este recomandata verificarea periodica a Raportului de Credit pentru a te asigura ca informatiile prelucrate sunt corecte si actualizate.\"}},{\"@type\":\"Question\",\"name\":\"Cum pot afla cine a consultat Raportul meu de Credit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Raportul de Credit contine si informatii privind consultarile efectuate de institutiile participante. Astfel, poti verifica ce entitati au accesat datele tale si in ce perioada, conform informatiilor disponibile in raport.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"fa6ac98\"><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-719a76b e-con e-atomic-element e-flexbox-base e-719a76b-23231e4 \" data-id=\"719a76b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"719a76b\">\n    \t\t\t<h2 data-interaction-id=\"b180f8b\" class=\"e-heading-base\">Concluzie<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"611c494\">Intelegerea modului in care functioneaza Biroul de Credit te poate ajuta sa iei decizii financiare mai bine informate si sa iti verifici corect situatia. Daca ai identificat o raportare pe care o consideri incorecta sau doresti o analiza a situatiei tale, este recomandat sa soliciti o evaluare bazata pe documentele si circumstantele specifice fiecarui caz.<\/p>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"fc8db9c\"><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-14925c0 e-con e-atomic-element e-flexbox-base e-14925c0-35a8d4f \" data-id=\"14925c0\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"14925c0\">\n    \t\t\t<h2 data-interaction-id=\"4a33d23\" class=\"e-heading-base\">Ai nevoie de o analiza a situatiei tale?<\/h2>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"38370e4\">Fiecare caz este diferit. Daca ai intrebari privind o raportare in Biroul de Credit sau doresti o evaluare a situatiei tale, completeaza formularul de contact si iti vom analiza documentele.<\/p>\n\t\t\t\t\t<p class=\"e-paragraph-base\" data-interaction-id=\"8ce9856\"><\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-2053041 e-con e-atomic-element e-flexbox-base e-f539b6e \" data-id=\"2053041\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2053041\">\n    \t\t\t<button class=\"e-f75b71a-8edcdcc e-button-base\" data-interaction-id=\"f75b71a\">\n\t\tSolicita o analiza\n\t<\/button>\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Biroul de Credit joaca un rol important in procesul de analiza a solicitarilor de credit depuse la banci si institutii [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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