Bulgaria Credit Judgement & Litigation Check

## Who is the source of credit check data in Bulgaria? Chamber of Private Enforcement Officers & Commercial Register & Non-Profit Organisations Register ## What is the process in Bulgaria? 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, a copy of their ID, and complete a specific consent form 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 - **Specific Consent Form** - Power of Attorney (POA) should be provided in a scanned copy, signed with a wet signature (signed with a pen). - The Power of Attorney does not need to be notarised and apostilled. - The ID number in the POA must match the provided ID document or, the POA must reflect the ID number of the ID document attached. - **Passport/ID Copy** - Citizens: Bulgarian ID card OR Bulgarian Passport - Foreigners: Foreign passport OR Bulgarian residence permit - Expired documents are acceptable. - Purpose: To be used to cross- check data accuracy. - **Address** - Last residential address in Bulgaria ## What is covered in the credit check? The Financial Integrity verification process in Bulgaria provides financial defaults information on the bad payment and non-payment history of individuals who are citizens and/or foreigners, lawfully residing in Bulgaria, as extracted by a local partner, with the explicit consent of the individual, through the Chamber of Private Enforcement Officers & Commercial Register and Non-Profit Organisations Register. The information goes 15 years back and extracts the relevant information from the following authorities: - Commercial Register - Non-Profit Organisations Register - Chamber of Private Enforcement Officers The process is nationwide and the data collected includes the following information: - any kind of debt and/or loan records - list of all enforcement cases where the individual is involved The Letter of Confirmation provided as a record also includes the following personal identifiers of the individual: - Full name - Date of Birth - Personal ID Number (EGN for citizens / LNCh for foreigners) The results of the verification process are provided in Bulgarian. If pending enforcement cases are established, the certificate shall be accompanied by an English description of the details found. The check does not leave any footprint and does not affect the individual's credit history. ## Restrictions, Exclusions, Limitations: - Please note that a credit check from a credit bureau is not authorised to be publicly performed by a third party, even with the explicit consent of the individual. Thus, the current check covers bad payment and/or non-payment history of the individual, but not a credit history per se. - The ID document is mandatorily required by the authorities. - The check requires the provision of a Specific Consent Form (Power of Attorney), which should be provided in a scanned copy, signed with a wet signature. - The Power of Attorney does not need to be notarised and apostilled. ## What is the period covered by the check? - 15 years back ## Is there any potential candidate footprint? The check does not leave any footprint and does not affect the individual's credit history. ## 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.