Debtors

As a debtor, you have the following rights in the CCR:

•    You may access data on your debts owed to any CCR reporting creditor by obtaining a Type A credit report. 
•    You may contest the data of the credit report in order to (a) have inaccurate data rectified or (b) have incomplete data completed.
•    The confidentiality and security of your personal data is ensured in accordance with the applicable personal data protection institutional framework.

Access to your data is reserved to the Bank of Greece and the European Central Bank, to any creditor to whom you owe a debt or to whom you have submitted a credit application, as well as to the competent public authorities under Article 117(1) of Law 4972/2022.

Personal data protection relies on the use of special encryption and secure access protocols, which ensure compliance with the General Data Protection Regulation (GDPR) and national legislation on data protection. Learn more here.

The processing of personal data in Credit Reports is carried out lawfully pursuant to Law 4972/2022 and in accordance with the General Data Protection Regulation (GDPR). Information regarding data subjects’ rights under the General Data Protection Regulation (GDPR) and the applicable national legislation may be obtained by accessing the following link.

Creditors can access data relating to loans, leasing contracts, factoring contracts, as well as the collateral provided for them. Granular data contained in the credit report, to which creditors have access, are described in the relevant Bank of Greece Governor’s Acts. Governor’s Acts Nos. 2692/30.06.2023, 2697/11.12.2025 and 2698/12.12.2025.

Creditors that provide data to the CCR are responsible for data accuracy. In addition, the Bank of Greece cross-checks your identification information with the information systems of the IAPR, the G.E.MI. and ERGANI or with any other competent government entity, in accordance with Article 7 of Governor’s Act No. 2697/11.12.2025.

You may submit an online contestation request through the CCR Portal for the rectification of inaccurate data or the completion of incomplete data concerning you. Contestation request

The agent responsible for data rectification is the creditor that provided the initial data, which are being challenged. The creditor must check and correct the data in line with the contestation request and respond in writing to the Bank of Greece in order for the latter to reply to the debtor who submitted the request, no later than 30 days from its submission. If the Creditor does not intend to comply, they must provide justification for this decision in their reply.

According to the procedure, a contestation request that concerns credit information may be addressed to one creditor only. If you wish to contest data related to more creditors, you need to submit additional contestation requests to each one of them.

Debtors can obtain a credit report or submit a data contestation request free of charge.

This could happen due to a change in the creditor’s company name or to the transfer of your debt to another creditor. You are advised to submit a contestation request in order to clarify the issue.

The CCR collects data on all types of credit that fall under the reporting requirements of the CCR, in accordance with Article 4 of Bank of Greece Governor’s Act No. 2697/11.12.2025, regardless of late payments.

If a loan is fully repaid or if your total loan amount due per creditor falls below the credit threshold on data reporting set by the CCR, then the data related to such loan/loans will no longer appear in the credit report.

Access to third-party data may be granted only if a legal basis is provided for that.

The identification and general information concerning debtors, included in the Credit Reports, are cross-checked and verified against the data maintained in the information systems of the Independent Authority for Public Revenue (IAPR).
If you wish to correct this information, please submit a relevant request to the IAPR.

According to Annex A of the Bank of Greece Governor’s Act 2697/11.12.2025 (in Greek), as of the data reporting reference date, a credit is classified in one of the following categories:

• Performing
• Non-performing, in accordance with Commission Implementing Regulation (EU) No 680/2014, as amended by Commission Implementing Regulation (EU) No 451/2021.

Please note that, in some cases, a credit may be serviced by the debtor but is still shown in the Credit Report as non-performing. This is because Creditors report the performing status based on the criteria and definitions set out in the above Regulation, in accordance with the instructions of the Bank of Greece. In particular, a credit may be reclassified from non-performing to performing only after a minimum period during which all applicable regulatory conditions are met, including that:

• the credit is serviced regularly,
• no new arrears arise, and
• there are no indications of the debtor’s financial distress.

For credits falling under Law 3869/2010, and in particular, cases where a court decision provides for a reduction of the claim subject to compliance with specific terms it is clarified that the outstanding credit balance reported by Creditors to the Central Credit Register and depicted in the Credit Reports corresponds to the full amount of the claim as recorded in the Creditor’s systems during the period in which the terms of the court decision are complied with.

This means that until the terms of the court decision are fully and successfully met, the credit balance continues to reflect the full outstanding amount, reduced only by the payments made by the debtor.
Only after the final and successful fulfilment of the court decision’s terms Creditors are required to adjust the reported outstanding balance, accordingly, reducing it by the amount specified for debt forgiveness in the relevant court decision.

Example
Assume that Creditor Crdt#1 has granted Debtor Dbtr#1 the credit INST#1 under contract CON#1. At the time the court decision is issued (September 2018), the Outstanding Nominal Amount is €100,000.

Assume that the court decision provides that if the debtor pays €20,000 in 24 equal monthly instalments (€833 per month) over two years, the remaining €80,000 will be permanently written-off.

Given that the debtor makes the required monthly payments of €833, the information reported to the Central Credit Register during this period will appear as follows:

At the end of the repayment period, once all terms of the court decision are fulfilled, the remaining €80,000 is written-off and reported as debt forgiveness.