There is a governmental agency, part of the national bank, that keeps track of credit. Information is kept for three months after a successful repayment of cred

There is a governmental agency, part of the national bank, that keeps track of credit. Information is kept for three months after a successful repayment of credit, one year after a delayed yet complete repayment, and 10 years after a default. Only credit information is kept, nothing regarding defaults on rent, unpaid medical bills etc... Getting a record of your own credit history is completely free, either online, by writing a letter, or just stopping by the bank. Yes, national ID is used for that purpose. I've only very rarely heard of identity theft by strangers, there are many hoops to jump through, like photo ID and a physical letter sent to the corresponding address for verification. What would prevent that? Privacy laws. Keeping and sharing blacklists is not forbidden but regulated in Europe. Creditors also are obligated to use the central credit agency.