{"id":955,"date":"2026-01-14T10:01:22","date_gmt":"2026-01-14T08:01:22","guid":{"rendered":"https:\/\/new.arb.ro\/?page_id=955"},"modified":"2026-01-14T18:24:55","modified_gmt":"2026-01-14T16:24:55","slug":"biroul-de-credit","status":"publish","type":"page","link":"https:\/\/www.arb.ro\/en\/despre-arb\/biroul-de-credit\/","title":{"rendered":"The Credit Bureau"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"955\" class=\"elementor elementor-955\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18ee471a e-flex e-con-boxed e-con e-parent\" data-id=\"18ee471a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bce78fb elementor-widget elementor-widget-heading\" data-id=\"bce78fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Credit Bureau\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75703ded elementor-widget elementor-widget-text-editor\" data-id=\"75703ded\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Established following the initiative of the Romanian banking community, the Credit Bureau aims to support the participants to the banking system by\nproviding them real, updated, aggregated and consistent information regarding individuals who have outstanding loans with banks or financial companies, have purchased an asset via leasing or have been insured against default risk with an insurer. The Credit Bureau is a joint stock company having as shareholders 25 banks.<\/p><p>The Credit Bureau has been operational since August 2004 and, currently, manages negative and positive data and data regarding fraudulent customers and irregularities, coming from banks and nonbanks. The business of the Credit Bureau includes:<\/p><ul><li>collecting \/ processing data on customer portfolios \u2013 individual customers;<\/li><li>information and analyses offered to participants in order to identify and measure credit risk, better quality loans, fraud risk mitigation and loan protection;<\/li><li>establishing uniform criteria for scoring;<\/li><li>financial and banking consulting.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cde1c2 elementor-widget elementor-widget-text-editor\" data-id=\"8cde1c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>Pentru mai multe detalii \u0219i contact, v\u0103 rug\u0103m s\u0103 accesa\u021bi:\u00a0<\/strong><\/h6><h6><a href=\"https:\/\/www.birouldecredit.ro\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.birouldecredit.ro\/<\/a><\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Biroul de Credit \u00cenfiin\u0163at la ini\u0163iativa sectorului bancar rom\u00e2nesc, Biroul de Credit \u00ee\u015fi propune s\u0103 sprijine participan\u0163ii la sistem prin furnizarea de informa\u0163ii reale, actualizate \u015fi consistente referitoare la persoanele fizice care au contractat credite de la b\u0103nci sau societ\u0103\u0163ile financiare, au achizi\u0163ionat un produs \u00een sistem leasing sau au fost asigurate \u00eempotriva riscului de [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":123,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-955","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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