CIRBE The file is governed by the Law 44/2002 of 22 November, on Financial System Reform, Article 59, first paragraph, states that "The Central Risk Information (hereinafter CIR) is a public service which aims to obtain from the reporting entities referred to the first paragraph of Article following data and information on credit risks, to facilitate data reporting institutions necessary for the exercise of its business; enable the authorities responsible for prudential supervision of these entities the proper exercise of their supervisory and inspection to ensure the proper development of
other functions that the Bank of Spain legally attributed. " And in the second paragraph of that article attributed the administration and management of the Bank of Spain CIRBE.
In short, this is a central database that records all credits worth over 6000 euros to have with different entities from Visa cards to credit accounts, discount lines, etc.. The head of this file is the Bank of Spain, and before he can go if we want to know what data they have on us.
One tip, If you're going to ask Visa or credit card number to different entities, it is always best to order them over the same month, so if you consult the CIRBE not see this risk and have more opportunities to give to us. The file of CIRBE is updated monthly.
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