Your Credit History in Portugal: The Central de Responsabilidades de Crédito

Annex II (CRC regime): purpose (art. 1), run by Banco de Portugal and reporting entity responsible for correcting errors (art. 2(1)-(2)), access costs not charged to applicants (art. 2(5)), participating entities (art. 3), monthly transmission, access on application or authorisation incl. prior 12 months, no lender identification (art. 6), duty to communicate refusal result (art. 7), restriction on onward transmission (art. 8); art. 13 revokes DL 204/2008; art. 15 entry into force 90 days after publication. Art. 3(1)(a) and art. 4(1): payment and e-money institutions based in Portugal are participants with a duty to report.

Diário da República shows DL 204/2008 revoked by DL 103/2025 with effect from 2025-12-10.

CRC generally includes contracts over €50; map fields (amount owed, amount in default, potential amount, type of responsibility, court action, number of debtors); map free online via Banco de Portugal with Chave Móvel Digital, Cartão de Cidadão or NIF + Portal das Finanças password, or at public service desks or by post; map is not public; contact the reporting entity to correct errors.

Art. 10: creditworthiness assessment, optional consultation of the public list of enforcement proceedings, duty to inform on refusal; art. 11(3) same duty; art. 4(1)(c) credit contracts include credit card use.

CGD warning that default records on the map lead to refusal of a card or any credit.

Art. 2(1)(c) scope (contracts under DL 133/2009); art. 13 contact within 15 days; art. 14 PERSI between day 31 and 60, or immediately on written request; art. 18 no termination or court action during PERSI; art. 8 no renegotiation fees (documented third-party expenses under art. 3(d) excepted) or rate increases; art. 28 free access to the support network.