Central de Responsabilidades de Crédito
Published 8 November 2026, 22:51
Central de Responsabilidades de Crédito (CRC) — Banco de Portugal credit database
A state database of all of a person's loans and any arrears on them. Banks check it before making a decision, and you can request your own statement. The data is kept for five years.
Where you come across it. A loan application, checking your own credit history before going to the bank.
There is no single ‘credit score’ here of the kind used in some other countries: a bank's refusal is not recorded in the database and does not affect your next application.
Official website: clientebancario.bportugal.pt/pt-pt/avaliacao-da-solvabilidade