What is a National Debt Register? – Loan Consolidation

The National Register of Debtors is one of 3 databases of debtors, where all information about late payers is stored. Before taking a loan or credit, it is worth checking to see if you are on the blacklist of creditors.

The National Debt Register base is the so-called blacklist of debtors who, due to their negative credit history, are refused when they apply for payment in installments, a credit card or a loan or cash loan. It is here that banks and some loan companies check information about their potential customers.

National Debt Register is the largest platform for the exchange of economic information that collects and provides data on the financial situation of companies and individuals. What’s more, once every six months we have the right to free access and obtain a report.

How does the National Debt Register work?

How does the National Debt Register work?

The National Debt Register is a system of economic information exchange. The institution exists since 2003. Initially, its purpose was to collect data on economic entities. However, since 2010, natural persons have also been added to the list of debts.

First of all, the National Debt Register’s activity consists of receiving, storing and sharing economic information. Such data related to both debt and timely repayment of liabilities by consumers and companies. To National Debt Register you can usually get too long. Their source may be unpaid financial liabilities towards:

  • bank or loan institution;
  • mobile and internet providers;
  • insurance company;
  • suppliers of electricity, electricity, water and heating oil;
  • companies providing transport services, e.g. Public Transport Authority.

The main consequence of entering into the “black list” is the reduction of credibility in the eyes of current and potential contractors, financial institutions and service providers. Such an entry can, therefore, become a significant obstacle in establishing business cooperation, receiving a loan, and even making such a prosaic act as signing a contract with a mobile operator.

Can anyone check the debtor?

Can anyone check the debtor?

Each of us, have any doubts or wanting to prepare well for a loan application, has the opportunity to check ourselves in the National Register of Debtors. The head office of the office is located in Wrocław, however, the information flow is primarily via electronic means using a modern communication system made available on the National Debt Register internet platform.

Anyone can use the system. However, before we gain access to the database, and thus we can obtain the necessary information, we must register for the National Debt Register system. The account we receive depends on whether we are a company, institution or individual.

A person who wants to register in the customer panel must complete the form available on the National Debt Register website. It will be necessary to provide such data as name and surname, correspondence address, PESEL, and ID number and series as well as its expiry date. As well as a mobile phone and email.

When creating an account in the customer panel


You must also provide the password that you will use later when logging in. The user’s login is his unique PESEL number. Then you will also need to check your identity. For this purpose, you will be asked to make a verification transfer or send a scanned ID document to the e-mail address provided.

We obtain information on the reliability of the entities we check after logging into the system. The data comes in the form of a report that contains both positive and negative entries.