CCIS (Central Credit Information System) is a ‘Central Credit Information System’ (Credit Institutions Act, Article 18, Point 1) recognised by HFSA and operating in compliance with the provisions of the law. The CCIS database contains all data the central registration of which is required and permitted by law and are specified by the users of the system about their Customers. The connection obligation stated by law and the Credit Information Supply Contract for the use of CCIS guarantees that the database always contains complete, accurate and up-to-date information.

These data may be queried by all users exercising identical rights. Only the identification data of the Customer must be provided for an enquiry and the answer contains all data of the specific Customer, except those that identify the Reference Data Provider, the owner, who entered them into the system.

CCIS has an important role in the approval of credit applications. The CCIS information will be positive and negative, in other words, it is not necessarily bad if the data of a party are contained in CCIS. E.g., a CCIS enquiry about reliable corporate entities with a good credit history and good repayment discipline may even find it easier to have access to financing.