CRIF Personal Credit Report - Italy
€17.50 + VAT
Access the CRIF Credit Information System database via API and verify the credit status, current loans, any unpaid amounts, or reports of an individual.
The CRIF Report Person allows access to the credit information system database of CRIF (EURISC), which contains information that measures the credit risk of individuals and businesses that request and receive loans granted by banks and financial companies.
EURISC is a positive and negative system, meaning it contains information about loan requests and loans granted to individuals and businesses, regardless of whether the repayment has been regular or not.
Data about an individual or legal entity is communicated to EURISC in the following situations:
- when evaluating a new loan application, if the bank or financial institution intends to check your data to assess your request
- when your loan application is approved and the loan is granted
- during the update phase, usually monthly, with data regarding the repayment performance
In the credit information system (SIC), data is recorded not only for those requesting a loan but also for:
- those requesting to establish or being part of a credit relationship with a participating entity
- those acting as co-obligors, including jointly
- third parties in case of credit transfers or payment deferrals
- corporate officers or capital participants of a company involved in a credit request or relationship
- anyone economically or legally linked to the entity operating within its business or professional activity and involved in a credit request or relationship, whose position is clearly distinct from that of the primary debtor
The CRIF report is an updated document that summarizes information on credit relationships (existing, terminated, requested, rejected/renounced), submitted to the Central Credit Register of Financial Intermediation (CRIF) by banks, financial institutions, and entities participating in the EURISC Credit Information System, including reports of regular, late, or unpaid overdue payments.
CRIF Personal Credit Report
REQUEST EXAMPLE
POST /IT-crif-persona/
To request a CRIF Personal Credit Report, you need to pass a series of fields with the identity document and tax code/health card of the legal representative and a report in PDF format. The endpoint to use is POST /IT-crif-persona/.
{
"first_name": "mario",
"last_name": "rossi",
"birth_date": "1990-04-28",
"gender": "m",
"fiscal_code": "mrrrss89d28l117d",
"birth_city": "terni",
"birth_province": "tr",
"birth_country": "italia",
"residence_address": "via rossini",
"residence_street_number": "2",
"residence_city": "terni",
"residence_postal_code": "05100",
"residence_province": "tr",
"residence_country": "italia",
"document_type": "PATENTE",
"document_number": "RT5677UI",
"release_date": "2001-12-31",
"expiration_date": "2030-12-31",
"release_city": "terni",
"release_province": "tr",
"public_authority": "mctc",
"document_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr",
"health_insurance_card_file": "JVBERi0xLjQKMSAwIG9iago8PAovVGl0bGUgKP7/AFAAUgBPAEMAVQBSAEEpCi9DcmVhdG9yICj+/wB3AGsAaAB0AG0AbAB0AG8AcABkAGYAIAAwAC4AMQAyAC4ANikKL1Byb2R1Y2VyICj+/wBRAHQAIAA0AC4AOAAuADcpCi9DcmVhdG",
"callback": {
"url": "https://mysite.com/test.php",
"method": "POST",
"field": "data",
"headers": {
"session_id": "oiwejdf89453urf945jfg"
}
}
}RESPONSE EXAMPLE
The response will return, among other things, the status and ID of the request.
{
"first_name": "mario",
"last_name": "rossi",
"birth_date": "1990-04-28",
"gender": "m",
"fiscal_code": "mrrrss89d28l117d",
"birth_city": "terni",
"birth_province": "tr",
"birth_country": "italia",
"status": "COMPLETED",
"request_id": "o84hf-9239-oi3wjffas-asd3-3io23h4f"
}Download the proxy
REQUEST EXAMPLE
GET/IT-crif-persona/{id}/delega
Once the request has been submitted, it will be necessary to download the proxy document with the endpoint GET/IT-crif-persona/{id}/delega, passing as id the value obtained at the request stage.
https://risk.openapi.com/IT-crif-persona/{id}/delegaThe response will contain the proxy form in PDF format.
Upload the proxy
PATCH/IT-crif-persona/{id}
Once the proxy has been correctly signed, it can be sent to complete the documentation via the endpoint PATCH/IT-crif-persona/{id}, where again the id will be the one obtained at the request stage (endpoint POST /IT-crif-persona).
REQUEST EXAMPLE
This is an example of a proxy request:
https://risk.openapi.com/IT-crif-persona/{id}The body of the request will clearly also include the signed proxy:
{
"signed_delegation_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr99sogXwJ94sCwLFp9uK7iZU6A2/obqEXj1yfOJH0EQUGLZ8AyeExKv/72D8tO/QT"
}RESPONSE EXAMPLE
The response also contains, among other information, the simple proxy form and the signed proxy form:
{
"first_name": "mario",
"last_name": "rossi",
"birth_date": "1990-04-28",
"gender": "m",
"fiscal_code": "mrrrss89d28l117d",
"birth_city": "terni",
"birth_province": "tr",
"birth_country": "italia",
"residence_address": "via rossini",
"residence_street_number": "2",
"residence_city": "terni",
"residence_postal_code": "05100",
"residence_province": "tr",
"residence_country": "italia",
"document_type": "PATENTE",
"document_number": "RT5677UI",
"release_date": "2001-12-31",
"expiration_date": "2030-12-31",
"release_city": "terni",
"release_province": "tr",
"public_authority": "mctc",
"document_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr",
"health_insurance_card_file": "JVBERi0xLjQKMSAwIG9iago8PAovVGl0bGUgKP7/AFAAUgBPAEMAVQBSAEEpCi9DcmVhdG9yICj+/wB3AGsAaAB0AG0AbAB0AG8AcABkAGYAIAAwAC4AMQAyAC4ANikKL1Byb2R1Y2VyICj+/wBRAHQAIAA0AC4AOAAuADcpCi9DcmVhdG",
"callback": {
"url": "https://mysite.com/test.php",
"method": "POST",
"field": "data",
"headers": {
"session_id": "oiwejdf89453urf945jfg"
},
"data": {}
},
"state": "in_lavorazione",
"creation_timestamp": 1685532040,
"last_update_timestamp": 1685532040,
"owner": "[email protected]",
"delegation_file": "64772d88496e98e849017aa8_delega.pdf",
"signed_delegation_file": "eae65688f78ba2ffe44715a6398cbd34.pdf",
"id": "64772d88496e98e849017aa8"
},
"success": true,
"message": "",
"error": null
}Retrieve request or check status
GET/IT-crif-persona/{id}
Through the endpoint GET/IT-crif-persona/{id} it is possible to retrieve the request, and possibly also check its status. At this stage, we also suggest setting the callback for updates.
https://risk.openapi.com/IT-crif-persona/{id}Retrieve request list
REQUEST EXAMPLE
GET/IT-crif-persona/
Thrugh the endpoint GET/IT-crif-persona it is possible to retrieve the list of all requests made.
https://risk.openapi.com/IT-crif-persona/RESPONSE EXAMPLE
The response will contain the status, the date the request was created, the last update and the id.
{
"data": [
{
"state": "completato",
"creation_timestamp": 1685369206,
"last_update_timestamp": 1685369607,
"owner": "[email protected]",
"id": "647722c4b23b7966ed359763"
}
],
"success": true,
"message": "",
"error": null
}PLEASE NOTE: Access to the data in the SIC, the Credit Information System, is granted to the holder of the report, the legal representative in the case of a legal entity or another person delegated by the holder of the report. It is essential to send a copy of the identity card of the person for whom the certificate is requested. In the case of legal persons (non-commercial entities, associations, foundations, partnerships or corporations, consortia, etc), a copy of the identity document of the legal representative of the legal person for whom the report is requested must be sent. Moreover, for the product dedicated to legal persons, the amount may increase up to €10, to be paid directly to CRIF, which will send an email.
Do you need help?
Haven't found the answer you're looking for?
Fill in all the details, we will get back to you as soon as possible!
The CRIF Personal Credit Report allows you to integrate, via API and in real-time, the request for a document that provides access to the Credit Information System (SIC) of CRIF, (called EURISC). This contains information on the credit history of individuals who request or obtain loans from banks and financial institutions.
The service is part of Risk, the API that allows you to access multiple databases (e.g., Anagrafe, Revenue Agency, CCIAA, CRIF, Experian) and more than 15 reports and investigations on individuals, freelancers, and companies with just one request. Here are some of the available information via API:
- Financing data (CRIF and Experian)
- Residence and Domicile
- Employment
- Properties
- Phone
- Negative Events
- Credit Score and Recovery Indicators
- Marital Status and Spouse
- Reliability
- Company Positions
- Shareholdings
- Date of Death
- Information on Heirs
- Bank Accounts
- Transcriptions
EURISC collects both positive and negative information related to loan requests and granted loans for individuals and businesses, regardless of whether the repayment was regular or not. A subject's data is communicated to EURISC in these situations:
- when a bank or financial institution consults your data during the loan approval process
- when a loan is granted
- during the monthly update of repayments
Since these are confidential data, the CRIF report can only be requested for oneself or for someone for whom you have a delegation. To complete the request, it is necessary to sign a specific form and attach a copy of your identity document (ID card, driving license, or passport) and the Health Insurance Card or Tax Code Card.
The CRIF Personal Credit Report is a useful tool for individuals who want to apply for a mortgage, loan, or credit card and want to ensure there are no negative reports or errors in their data, people who have been denied a loan and want to check if they have been reported as bad payers, and those who want to keep their credit profile under control to avoid surprises in the event of future loan requests.
Openapi manages the entire request process via API in full compliance with current privacy regulations, using 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 according to the timeframes visible in the Redemption Period (the time limit after which the document is deleted from our servers) in the privacy documentation. If necessary, the customer can directly contact the authorized professional who provided the service, who is required to keep a copy according to regulations.
The service is provided in 20 days.
The cost per single request is €17.50.
Carbon free energy for Our Cloud 
Low CO2
© 2024 Openapi SpA, a single-member company, under the direction and control of Open Holding Srl.
Viale Filippo Tommaso Marinetti 221 - 00143 Rome - Business Register: 1378273, Share Capital: €50,000.00, VAT Number: IT12485671007, Recipient Code: 'USAL8PV' - Certified Email: 
Openapi is certified in: Quality System - **UNI EN ISO 9001:2015** - Data Quality **ISO 25012:2014** - Security Management **ISO/IEC 27001:2022**
All prices are net of any VAT, stamp duty, registration fees, or other taxes that may be due. All logos listed on the portal are copyrighted and owned by their respective owners.
