Biroul de Credit
Romania's main credit-reporting bureau, jointly owned by Romanian banks.
Biroul de Credit aggregates both positive and negative repayment history for Romanian consumers, similar in structure to INFOCORP in Peru rather than a pure delinquency blacklist like Spain's ASNEF.
Based on market analysis, essentially all active Romanian IFN (non-bank) fast-loan lenders skip checking Biroul de Credit for first, small loans — making it considerably less of a practical barrier in Romania's fast-credit sector than the equivalent bureau is elsewhere in the region.