In Italy there are the systems of credit information, “Sic”, which collect, record and manage information for all of those who access loans, mortgages, financing and emissions credit card.

The data are used by finance companies and banks to identify all consumers who pay on time the rate, or, conversely, make late payments or are defaulting and therefore potentially unreliable in the granting of credit.

All consumers who have credit cards, or have switched mortgages, loans and personal finance can always and at any time know about your situation recorded by the “Sic”, with the ability to exercise, by the consumer, the right to variation of the information in the databases if they are wrong.

According to the Association announced Adiconsum, the “Sic ‘are three:

* Protection of the Consortium Credit (CTC),
* The Experience,
* The CRIF.

To assist consumers, Adiconsum concluded with “Sic” a memorandum of understanding aimed precisely to gain access to and modification of information in databases.