{"id":"es-informe-cirbe","page":"https://joyworkos.com/en/reports/spain-cirbe-bank-of-spain-credit-report/","name":"Bank of Spain Central Credit Register report (CIRBE)","name_en":"Bank of Spain Central Credit Register report (CIRBE)","local_name":"Informe de riesgos de la Central de Información de Riesgos del Banco de España (CIRBE)","country":"ES","country_name":"Spain","category":"Credit and business information","what_it_shows":"Loans, credits, guarantees and other risks reported by financial institutions in the name of the person or company.","who_needs_it":"individuals and companies applying for credit, heirs checking a deceased's debts","why":"mortgage/loan applications, verifying debts, inheritance (deceased's debts), disputes with banks","price":null,"sold_by_joy":false,"delivery":"about 15 minutes online on business days (else next business day); legal maximum 10 business days","format":"PDF (downloadable for 20 days); certified mail for postal requests","who_can_order":"Only the person themselves","what_we_need":{"details":"NIF + electronic certificate or Cl@ve (mandatory online for companies); representatives: public deed expressly empowering CIR requests; heirs: death certificate + heir title","upload":"none","authorisation":"sign","original_by_courier":false},"legal_limits":"Data are 'personalísimo': only the holder, a representative with a public-deed power expressly covering CIR requests (private authorisations rejected), legal representatives, or heirs; resale or third-party access is not possible.","issuer":"Banco de España – Central de Información de Riesgos (Bank of Spain – Central Credit Register)","official_source":"https://sedeelectronica.bde.es/sede/es/tramites/solicitud-informes-riesgos-cirbe-p58.html","how_to_get_it_yourself":"sedeelectronica.bde.es → Solicitar informe CIRBE → electronic certificate or Cl@ve → request → email notice → download (20 days); individuals may also use form FDU-031 in person (cita previa) or by post to C/ Alcalá 48, Madrid","faq":[{"q":"How do I get Bank of Spain Central Credit Register report (CIRBE)?","a":"Only the person concerned can obtain it, directly from Banco de España – Central de Información de Riesgos (Bank of Spain – Central Credit Register). sedeelectronica.bde.es → Solicitar informe CIRBE → electronic certificate or Cl@ve → request → email notice → download (20 days); individuals may also use form FDU-031 in person (cita previa) or by post to C/ Alcalá 48, Madrid"}],"languages":[{"lang":"he","page":"https://joyworkos.com/reports/spain-cirbe-bank-of-spain-credit-report/"},{"lang":"en","page":"https://joyworkos.com/en/reports/spain-cirbe-bank-of-spain-credit-report/"},{"lang":"es","page":"https://joyworkos.com/es/reports/spain-cirbe-bank-of-spain-credit-report/"}],"order":null,"seller":"Joy Work OS (Neos Tech Ltd, Israel) — a private service, not the issuing authority"}