Borrower's Report

The borrower’s report is a document generated by the Credit Registry with information on the credit history for each borrower. Both citizens and registered companies may apply to be provided with this report.

  • Report sample
  • Report explainer 

The Bank of Albania is the only authority that can issue an official document for the Borrower's Report. The borrower's report is issued in accordance with the written request submitted to the Bank of Albania.

! The data reported to the Credit Registry stay up to five years after the loan repayment or its write off from the balance sheet of the bank granting the loan.

How to apply for the Borrower's Report

  1. Fill out the Application Form of the Borrower's Report
  2. Pay according to the instructions for the relevant payment for the Borrower’s Report
  3. Submit the application and the proof of payment to the Bank of Albania (at the headquarters or branches) together with the photocopy of two ID documents, one of which must contain the applicant’s fathers’ name.

(!) If the request is submitted by a person, different from the applicant, in addition to the above documents, this person must submit a proxy for this authorization and a copy of the ID document of the applicant.

  1. Fill out the Application Form of the Borrower's Report
  2. Pay according to the instructions for the relevant payment for the Borrower’s Report
  3. Submit the application and the proof of payment to the Bank of Albania, accompanied by a copy of the Historical Extract from the National Business Register, printed by the E-Albania Government Services or the original copy issued by the National Business Centre.
    The extract must be accompanied by a copy of ID document of the legal representative/ administrator of the applying company.

 

(!) If the request is submitted by a person, different from the applicant, in addition to the above documents, this person must submit a proxy for this authorization and a copy of the ID document of the applicant.

Data Revision in the Credit Registry

In cases when the borrowers have objections regarding the data reported for them in the Credit Registry, they will fill out and submit an application form. The request for data revision will be considered as accepted by the Bank of Albania when the same identification documents, as in the case of the Report are submitted.

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