Serbia Credit Judgment & Litigation Check

## Who is the source of financial integrity check data in Serbia? Credit Bureau of the Association of Serbian Banks ## What is the process in Serbia? 1. The requesting party requests the check from the ATS or their Zinc account. 2. The candidate is asked to provide personal details and complete a Power of Attorney (POA), which must be legally notarised (signed and stamped), through our dynamic web form. 3. The candidate posts the original, signed POA together with a clear scanned copy of their ID/passport to our provider's designated address in Belgrade, and separately provides Zinc with a scanned copy of the signed POA. 4. The candidate provides the shipping company name and tracking number to Zinc so the shipment can be monitored. 5. Zinc submits the request to the authorities. 6. Once the original POA is received, our provider submits the request to the Credit Bureau of the Association of Serbian Banks. 7. Zinc received the results (digitally) and provides a signed digital report. 8. The candidate receives a notification to say the process is complete. Because this check relies on a physically posted, notarised POA rather than a digital authorisation form, it takes longer to complete than fully digital checks — factor in postal time on top of the stated turnaround. ## What details are required to submit the check? - First Name - Last Name - Birth Date - Consent - **Power of Attorney** - Must be legally notarised (signed and stamped) — a POA that isn't notarised will not be processed. - The candidate's JMBG number is mandatory (for foreigners, this is on the Permanent or Temporary Residence card). - If the POA is issued in a country that is **not** part of the Hague Apostille Convention and has no bilateral agreement with Serbia, it must be certified by the Serbian Embassy/Consulate in that country, or certified before a public notary with an apostille stamp. - The signature is valid for 12 months, and the POA itself is valid for one check only. - The original hard copy of the POA, along with a clear scanned copy of the candidate's ID/passport, must be mailed to: Advokat Jelena Stevanović, Vojvode Stepe 357, Beograd, Serbia. - A scanned copy of the signed POA must also be provided to our provider separately. - **Shipping Company** — the courier used to send the original POA and ID/passport copies, so the shipment can be tracked. - **Tracking Number** — the tracking number for that shipment. ## What is covered in the financial integrity check? The Financial Integrity verification process in Serbia provides bad payment history information for the last 3 years on Serbian citizens and foreigners lawfully residing in Serbia. The data is gathered from the Credit Bureau of the Association of Serbian Banks and focuses on active credits and credits closed in the last 3 years, including the total, paid, monthly instalment, and delayed amounts. The information is present in all cases where the individual was a guarantor or a debtor, and covers loans — current, debit or credit card, leasing — as well as bank consultations in the last 12 months concerning the individual's credit status. The check is national and covers the entire population of Serbia, excluding the disputed territory of Kosovo. The database is updated weekly. ## Restrictions, Exclusions, Limitations Please note that the check leaves a footprint on the individual's credit profile but does not affect their creditworthiness. ## What is the period covered by the check? The check goes 3 years back. ## Is there any potential candidate footprint? Yes. This check **does leave a footprint** on the individual's credit profile, though it does not affect their creditworthiness or rating. ## What is the expected turnaround time? [Here](https://zincwork.com/turnaround-times) ## Privacy statement The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.