On the Credit Register

Published: 04.04.2015 Updated: 24.04.2023

The Credit Register is a repository of credit history and guarantees information reflecting how individuals and firms fulfil their obligations to the finance companies. This national information system is managed by Latvijas Banka.

The Register participants, also including all commercial banks operating in Latvia, provide data to the Credit Register. This includes information on the borrowers of the Register participants and their guarantors, their obligations and performance thereof.

Receiving Credit Register data

Any person can find out what data are stored in the Credit Register. The report on the individual data entered in the Credit Register can be most conveniently obtained electronically on manidati.kreg.lv, the Credit Register's website for electronic servicing.

The statement from the Credit Register can be obtained in person at the Cashier's Office of Latvijas Banka at Bezdelīgu iela 3, Riga.

Credit Register Latvijas Banka

Other ways of receiving data

Recipients of Credit Register data

Credit Register data can be obtained by:

  • customer and customer's guarantor – any natural and legal persons are entitled to receive the Credit Register data pertaining to them, except the data on the supervision of financial market participants and macroeconomic analysis. This service is free of charge;
  • Credit Register participant – on:
    • its customers and customers' guarantors,
    • potential customers and customers' guarantors,
    • person who has a qualifying holding in a commercial company that is the above Credit Register participant's customer, customer's guarantor, potential customer or potential customer's guarantor,
    • person who is the beneficial owner of the above Credit Register participant's customer, customer's guarantor, potential customer or potential customer's guarantor,
    • commercial company that is a subsidiary of the above Credit Register participant's customer, customer's guarantor, potential customer or potential customer's guarantor, and each subsequent subsidiary of the above subsidiary,
    • commercial company where the above Credit Register participant's customer, customer's guarantor, potential customer or potential customer's guarantor has a qualifying holding,
    • member of the Council (if established) and the Board of the above Credit Register participant's customer, customer's guarantor, potential customer or potential customer's guarantor.
  • restricted Credit Register participant – on its customers and customers' guarantors;
  • consumer's creditor – on a natural person, subject to the relevant natural person's consent;
  • for performing the tasks stipulated by laws and regulations:
    • the Bank of Latvia,
    • the Financial and Capital Market Commission,
    • the European Central Bank,
    • the State Revenue Service,
    • court,
    • pre-trial investigation institution and Prosecutor's Office,
    • subject of investigatory operations,
    • Financial Intelligence Unit of Latvia,
    • the Corruption Prevention and Combating Bureau,
    • administrator of insolvency proceedings where the customer or customer's guarantor is a natural person.

Pursuant to the Law On Credit Register, the Bank of Latvia stipulates the scope of the Credit Register data to be issued.

Ziņu glabāšana

Ziņas par klientu vai klienta galvinieku un vispārīgās ziņas par klienta vai klienta galvinieka saistībām Latvijas Banka glabā 10 gadu pēc:

  • klienta vai klienta galvinieka saistību izbeigšanās dienas;
  • dienas, kad no klienta līguma vai klienta galvinieka līguma izrietošās tiesības un saistības prasījuma tiesības nodotas citai personai.

Periodiskās ziņas Latvijas Banka Kredītu reģistrā glabā 3 gadus pēc perioda beigām.

Ziņas par klienta vai klienta galvinieka saistību pārkāpumu Latvijas Banka Kredītu reģistrā glabā 5 gadus pēc:

  • klienta vai klienta galvinieka saistību pārkāpuma novēršanas dienas vai dienas, kad no klienta vai klienta galvinieka līguma izrietošās tiesības un saistības vai prasījuma tiesības nodotas citai personai, ja līdz šai dienai klienta vai klienta galvinieka saistību pārkāpums nav novērsts;
  • klienta vai klienta galvinieka saistību izbeigšanās dienas, ja līdz šai dienai nav iestājušies iepriekšējā punktā minētie apstākļi.

Ziņas par Kredītu reģistrā iekļauto ziņu pieprasīšanu Latvijas Banka glabā 1 gadu pēc to pieprasīšanas dienas.

Credit Register regulatory framework

As of 1 December 2012, the operation of the Credit Register is governed by the Law on the Credit Register, the Regulation on the Credit Register of Latvijas Banka (issued pursuant to the Law on the Credit Register) and the Regulation on Electronic Information Exchange with Latvijas Banka (issued pursuant to the Law on the Credit Register and the Law on Latvijas Banka).

The Credit Register was launched on 1 January 2008 when debtor information, accumulated at the Debtor Register of Latvijas Banka from 2 June 2003 to 31 December 2007, was automatically registered with the Credit Register.

The Credit Register was developed in view of the "Report on the Developments of Consumer Price Inflation and Proposals for Its Reduction" submitted by the Ministry of Finance and supported by the Republic of Latvia Cabinet of Ministers' meeting on 6 March 2007.

Providing of data to customers Credit Register participant Credit Register statistics

Credit Register