Central Credit Register report (own credit history)
Portugal · Mapa de Responsabilidades de Crédito (Central de Responsabilidades de Crédito – Banco de Portugal)
What the report shows
All credit exposures reported by banks for the person/company: loans, guarantees, cards, amounts in default, by institution and month.
Who needs it
private individuals and companies about to apply for credit; their advisers
Why people order it
check own credit record before a mortgage; dispute errors; prepare loan applications
Legal limits
Banking secrecy: only the data subject or someone with powers to represent them; lenders access it only via Banco de Portugal for credit-risk purposes. Not resellable.
Issued by
Banco de Portugal – Central de Responsabilidades de Crédito · Official source
Questions and answers
How do I get Central Credit Register report (own credit history)?
Only the person concerned can obtain it, directly from Banco de Portugal – Central de Responsabilidades de Crédito. bportugal.pt → Área do Cidadão → Central de Responsabilidades de Crédito form → identify → receive map; or at a Banco de Portugal counter or by post
Joy Work OS is a private service and not the issuing authority. You can also get this document directly from the authority, free of charge.