Austria Credit Judgement & Litigation Check

## Who is the source of credit check data in Austria? Bisnode Austria GmbH ## What is the process in Austria? The requesting party will request the check from the ATS or their Zinc account. 1. The candidate receives automated instructions to provide some personal details in a dynamic web form. 2. Zinc submits the request to the authorities. 3. Zinc receives the results (digitally) and provides a signed digital report. 4. 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 - Consent - **Address** - Previous address in the country ## What is covered in the credit check? The Financial Integrity verification process provides credit check information on citizens and lawful residents of Austria. The data is gathered from direct marketing companies, debt collection agencies, registration registers, bankruptcy registers, company registers, and other investigations through additional financial institutions. The source covers approximately 93% of the Austrian population over 18 years old with regular domicile there, as well as foreigners lawfully residing in the jurisdiction. The timeframe of the records depends on their nature. If an individual had only one negative record in the past, it would be published on the databases for 3 years after the record's closing. If the person still has ongoing negative financial information associated with them (updated on a weekly/monthly basis), this record would also be published, regardless of its opening date. Bankruptcy information, updated daily, is stored for 7 years after the procedures' closure, and other judiciary proceedings related to financial issues remain in the database for 5 years. The process is national. ## Restrictions, Exclusions, Limitations: No known limitations. ## What is the period covered by the check? - Older credit (financial defaults) information — 3 years after closure - Still ongoing credit (financial defaults) records — might be present longer - Bankruptcy information — 7 years - Judicial proceedings — 5 years ## Is there any potential candidate footprint? The check does not leave a specific footprint on the individual's financial profile — only the industry of the entity requesting the information is listed on the report. The check does not affect the person's creditworthiness. ## 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.