Self-administered questionnaire: Web-based

The participating entities are obliged to report to the Banco de Portugal their credit balances by the end of each month, thus reflecting the situation of the liabilities of their customers by that date. Banco de Portugal is responsible for centralizing and disseminating the credit information after quality control. The identification of the debtors is cross-checked with other sources, ensuring that the identification exists and is valid.

CRC covers credit portfolios (firm-level) of all credit-granting institutions operating in Portugal, including banks, saving banks, mutual agricultural credit banks, financial credit institutions, leasing companies, factoring companies, securitization companies, mutual guarantee societies, and financial companies for credit acquisitions.

All credit obligations above the reporting threshold are included, regardless if the credit is in good standing or in situations of non-compliance. The mandatory loan registration thresholds have changed over time. The current mandatory loan registration threshold is 50 euros.