The Financial Risk Centers CRIF, CTC, EXPERIAN , CR BANCA D’ITALIA, CAI,CERVED, also known as S.I.C. (Credit Information Systems), are databases (data bases) containing information on our entire financial past and present (credit cards, mortgages, leases, overdrafts, consumer loans, personal or special purpose loans, leases, revolving cards, overdrafts, etc…, thus any line of credit that is applied for, rejected, in process, outstanding, or extinguished) with the corresponding description of payment performance.

Through the Financial Risk Centers, Banks, Post Offices and Financial Institutions, when any potential customer applies for any line of credit, check its creditworthiness, in order to contain the risk of lending to hyper-indebted or delinquent individuals or those who are not punctual in the payment of repayment installments, thus verifying whether the potential new customer has submitted a recent application for financing and whether the same has been rejected by another institution, whether he/she has other financing in progress and especially whether he/she pays the relevant installments without delay.

List Financial Databases:

• Crif, Eurisc credit information system
• Crif, information from Courts and Property Records
• Ctc, credit information system
• Experian, credit information system
• Experian, information from public records,lists and deeds(Protest Registry, Courts, Property Records)
• Centrale Rischi Banca d’Italia (Ceri): an information system, managed by the Bank of Italy, that collects information provided by banks and financial companies on the loans they extend to their customers
• C.A.I. Centrale d’Allarme Interbancaria (Bank of Italy): the Capri section (Centrale allarme impagati procedure), in which data on revocations from the authorization to issue checks resulting from the commission of the offenses referred to in Articles 1 and 2 of Law No.
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• C.A.I. Centrale d’Allarme Interbancaria (Bank of Italy): Pass section (Misappropriated and lost check procedure), in which data on misappropriated, lost, unreturned and blocked check forms for other reasons are contained
• C.A.I. Centrale d’Allarme Interbancaria (Bank of Italy): section Carter (Cards revoked), in which are contained the named data related to revocations from the use of payment cards
• C.A.I. Centrale d’Allarme Interbancaria (Bank of Italy): section Procar (Card Procedure), in which data on revoked, lost and stolen payment cards are contained
• CCIAA Register of Protests
• Assilea Spa (leasing)