Bank of Italy Central Credit Register Report on an Individual
€17.50 + VAT
The service to check an individual's credit position with the Credit Risk Center of the Bank of Italy
The Risk Reports provide access to the information system that monitors the indebtedness of individuals and legal entities towards banks and financial companies. You can access and verify the status of a subject in the main Risk Centers of the Bank of Italy and Experian.
Bank of Italy Risk Center Report
The Bank of Italy Risk Center Report for individuals provides access to the data of the Bank of Italy’s Risk Center by the concerned parties.
The Bank of Italy Report allows you to verify negative reports with defaults related to current credit lines, loans, credit cards, and credit openings.
The information contained in the Individual Risk Center Report is divided into categories. The main ones are:
- Self-liquidating risks
- Expiry risks
- Revocable risks
- Guarantees provided for commercial and financial transactions
- Guarantees received
- Financial derivatives
- Transactions conducted on behalf of third parties
- Acquired receivables from transferred debtors
- Self-liquidating risks - overdue receivables
REQUEST BANK OF ITALY REPORT
Request Hash Report
GET/visure
To request reports with Visengine, you must first identify the hash that uniquely identifies each document or practice.
https://visengine2.altravia.com/visure/
This can be done through the GET/visure endpoint, which does not require parameters and will return the complete list of documents and practices available through Visengine and their respective hashes.
Verify Data and Costs for Report Request
GET/visure/{hash_visura}
To check the information, required documents, and costs for the reports, you need to make a request through the GET/visure/{hash_visura} endpoint and provide the hash of the certificate obtained previously.
REQUEST EXAMPLE
GET/visure/{hash_visura}
To verify fields and costs to complete the request, use the hash obtained in the previous request.
https://visengine2.altravia.com/visure/526b6c8415936433f5a217d2bf7d2a72RESPONSE EXAMPLE
GET/visure/{hash_visura}
The response will include all necessary information to complete the request, such as mandatory fields.
{
"data": {
"hash_visura": "526b6c8415936433f5a217d2bf7d2a72",
"json_struttura": {
"campi": {
"$0": {
"nome": "Nome",
"tipo": "denominazione",
"null": false,
"istruzioni": "Inserire il nome del richiedente",
},
"$1": {
"nome": "Cognome",
"tipo": "denominazione",
"null": false,
"istruzioni": "Inserire il cognome del richiedente"
"ordine": "1",
},
"$2": {
"nome": "Copia Tessera Sanitaria con Codice Fiscale",
"tipo": "file",
"null": false,
"istruzioni": "Caricare Copia Codice Fiscale del richiedente"
"ordine": "3",
},
"$3": {
"nome": "Email",
"tipo": "email",
"null": false,
"ordine": "2",
"istruzioni": "Inserire l'email del richiedente"
},
"$4": {
"nome": "Copia Documento di Identità",
"tipo": "file",
"null": false,
"ordine": "4",
"istruzioni": "Caricare Copia Documento di Identità"
},
"validazione": "$0 && $1 && $2 && $3 && $4",
"istruzioni": "",
"istruzioni_ricerca": ""
},
"nome_categoria": "Camerali",
"nome_visura": "Visura Centrale Rischi persona fisica",
"opzioni": null,
"prezzo_ricerca": 0,
"prezzo_visura": 17.5,
"sincrona": false,
"fornitori": []
},
"success": true,
"message": "",
"error": null
}Validation specifies the mandatory data required to complete the request successfully.
Request Visura
POST /request
To make the Visura request, the following information and documents must be submitted:
- First Name and Last Name
- Tax Code
- ID Document
- Tax Code
REQUEST EXAMPLE
POST /request
{
"hash_visura": "526b6c8415936433f5a217d2bf7d2a72",
"json_visura": {
"$0": xxxxxxx,
"$1": xxxxxxx,
"$2": xxxxxxx,
"$3": xxxxxxx,
"$4": xxxxxxx
}
}RESPONSE EXAMPLE
POST /request
The response returns various pieces of information including the status, the callback (if set), and the request ID which will be needed later to download the document.
{ "data":
{
"_id": "5f2829ce065afc21cc60ad0e",
"state": 1,
"hash_visura": "526b6c8415936433f5a217d2bf7d2a72",
"nome": "Visura Centrale Rischi persona fisica",
"ricerca": false,
"id_ricerca": null,
"prezzo_visura": 17.5,
"prezzo_ricerca": 0,
"indice_ricerca": null,
"stato_richiesta": "In erogazione",
"email_target": null,
"allegati": [],
"timestamp_creation": 1596467662,
"timestamp_last_update": 1596467663,
"timestamp_stati": {
"in_ricerca": 1596467663,
"in_erogazione": 1596467663
},
"callback_data": false,
"opzioni": null,
"owner": "[email protected]",
"sincrona": false,
"ricerche": [
{...}
],
"esito": {
"codice": "0",
"info": "OK"
}Download Visura
GET/document/{_id}
When the request status is "completed", you can download the document using the method GET/document/{_id}
REQUEST EXAMPLE
GET/document/{_id}
This is an example of a request made using the previously obtained ID
https://visengine2.altravia.com/visure/documento/5f2829ce065afc21cc60ad0e
RESPONSE EXAMPLE
GET/document/{_id}
The response will contain the name, size, and file.
{
data{
"name":"5f22f5b5065afc21cc60a27a.zip",
"size": "10206",
"file":"++6+47433njVP9ZcX1XNtWUsKrTya9FGhwiXgdp5j5OPh0FpaKWVpjP8CUEjFjYzYwYTI3YS5wZGZVVAUAAwhDKF91eAsAAQQhAAAABCEAAABQSwUGAAAAAAEAAQBiAAAAZicAAAAA"
},
"success": true,
"message": "",
"error": null
}Do you need help?
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The Bank of Italy Individuals Report (in Italian "Visura Centrale Rischi Banca d'Italia Persona") allows the integration, via API, of a request for a document that provides access to the data of the Central Risks of the Bank of Italy for the interested parties. With this type of report, it is possible to obtain information on the debts of individuals towards banks and financial companies and to verify a subject's status in the main Central Risks of the Bank of Italy and Experian.
The main categories of information in the Central Risk Report are:
- Self-liquidating risks: Overdue credits that have been extinguished or liquidated.
- Expiry risks: Risks that expire by a predetermined date.
- Revocable risks: Risks that can be revoked.
- Guarantees provided: Guarantees provided for commercial and financial operations.
- Guarantees received: Guarantees obtained.
- Financial derivatives: Transactions on financial derivatives.
- Transactions carried out on behalf of third parties: Transactions carried out on behalf of other persons or entities.
- Credits acquired from ceded debtors: Credits purchased from transferred debtors.
Yes, the Bank of Italy Central Risk Report on a person is also available for legal entities (such as companies and other legal entities). In this case, it provides details on debts and negative reports related to businesses.
As it involves confidential data, the CRIF report can only be requested for oneself or for a person for whom one has delegated authority. To complete the request, it is necessary to sign a specific form and attach a copy of one’s identity document (identity card, driving license, or passport) and the Health Card or Tax Code Card.
The Central Risk Report service is useful for checking one’s credit position and thus monitoring one’s debt situation with financial institutions. Information of this type allows one to know, before applying for a mortgage or loan, whether they have been reported to the bank or financial company as bad payers and consequently whether they will have access to the loan.
Openapi manages the entire request process via API in full compliance with the current privacy regulations, applying data minimization and encryption practices. For more information, you can consult the Privacy documentation on our website.
The produced documents are deleted from Openapi’s systems based on the timing visible in the Redemption Period (the deadline after which the document is deleted from our servers) within the privacy documentation. If necessary, the client can contact the authorized professional who provided the service, who is required to keep a copy according to regulations.
The service is provided in 15 days.
The cost per single request is €17.50.
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