Romania Credit Judgment & Litigation Check

## Who is the source of bad payment history check data in Romania? Biroul de Credit S.A. ## What is the process in Romania? 1. The requesting party requests the check from the ATS or their Zinc account. 2. The candidate provides personal details and completes the Specific Consent form (wet or digital signature) through our dynamic web form. 3. The candidate completes and signs the Power of Attorney (POA) and the Specific Application Form (Data Access Request Form) directly via DocuSign, using the EU QES process — this requires a government-issued ID from an approved list of countries. 4. Zinc submits the request, via our in-country partner, to Biroul de Credit S.A. 5. Zinc received the results (digitally) and provides a signed digital report. 6. The candidate receives a notification to say the process is complete. ## What details are required to submit the check? - First Name - Last Name - Birth Date - **Specific Consent** — signature may be wet or digital; all fields must be completed. - **Passport/ID Copy** — clear, colour-scanned copy. - Romanian citizens: Romanian ID card or passport (must include CNP). - EU/EEA citizens: Registration Certificate (Certificat de înregistrare) (must include CNP). - Non-EU nationals: Romanian residence permit, aka Residence Permit (Permis de ședere) (must include the CNP). - **Passport/ID Copy (back side)** — clear, valid, colour-scanned copy. - Romanian citizens: Romanian ID card or passport. - EU/EEA citizens: Registration Certificate (Certificat de înregistrare). - Non-EU nationals: Romanian residence permit, aka Residence Permit (Permis de ședere). - **Client's Email Address** — to receive the DocuSign request in CC. - **Candidate's Email Address** — so the candidate can receive the Specific Consent Form to sign via DocuSign. - **Power of Attorney (POA)** — must be completed and submitted directly by the candidate via DocuSign before the check can be initiated; the case cannot be processed without it. - **Specific Application Form (Data Access Request Form)** — must be completed and submitted directly by the candidate via DocuSign before the check can be initiated; the case cannot be processed without it. ## What is covered in the bad payment history check? Our provider conducts Bad Payment History verification in Romania through an official request to Biroul de Credit S.A., placed by our in-country partner, who has been thoroughly vetted in accordance with our highest Partner Management policies and compliance standards. Biroul de Credit S.A. is the national credit bureau responsible for collecting and maintaining both positive and negative credit information on natural persons. The bureau receives data submissions from banks, non-banking financial institutions (NBFIs), leasing companies, consumer finance providers, insurance companies offering credit insurance, and registered debt collection agencies. The signed DocuSign Signature Certificate is obtained via the EU QES DocuSign process, alongside the Application Form and POA. The Romanian credit report provides an overview of the individual's financial behaviour and includes both positive and negative credit information. It includes the following sections: - Identifiers - Credit History Overview: Active loans, closed loans, credit cards, leasing agreements, and other facilities reported by banks and NBFIs - Payment Behaviour: Timely payments and late payments exceeding 30 days - Negative Records: Defaults, collections, forced recovery actions, court-related financial obligations, and bankruptcies where applicable All amounts shown by Biroul de Credit S.A. are reported in Romanian Lei (RON). The check does not affect the candidate's creditworthiness and does not leave any footprint in the Romanian credit bureau's system. ## What is the period covered by the check? Data is typically retained for 4 years. Negative information may be retained up to 5 years in special fraud-related cases. ## Restrictions, Exclusions, Limitations Credit information in Romania is subject to strict purpose limitation and data protection requirements under the GDPR and applicable national legislation. Any credit-related information used for employment purposes must be lawfully obtained, with the explicit consent of the candidate, and must be strictly relevant and proportionate to the role, in line with GDPR principles of purpose limitation, data minimisation, and transparency. This service does not disclose full credit reports and, where applicable, provides only a high-level summary of adverse debt indicators. Please also note that the DocuSign EU QES IDV process requires a government-issued ID from an approved list of countries. If a candidate's country is not included in the list, or if the candidate does not possess an eligible ID for their country, they will not be able to complete the IDV process. In such cases, the check cannot be processed. The check covers Romanian citizens, EU/EEA citizens, and foreign nationals who possess a valid CNP (Cod Numeric Personal). ## Is there any potential candidate footprint? The check does not affect the candidate's creditworthiness and does not leave any footprint in the Romanian credit bureau's system. ## 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.