CIRBE
CIRBE is the Central de Informacion de Riesgos del Banco de Espana, Spain's public credit register, which each month gives lenders aggregated data on people whose total credit risk with them exceeds EUR 1,000.
CIRBE operates in the Spanish Credit Infrastructure segment.
CIRBE: Core Facts
- Entity Type
- Public credit register of the Banco de Espana
- Full Name
- Central de Informacion de Riesgos del Banco de Espana
- Not Responsible For
- Defaulter listings (ASNEF, BADEXCUG)
- Country
- Spain
- Status
- Active Definition
- Verified
How CIRBE compares
CIRBE is NOT a defaulter file: it records loans, credit lines, drawn card credit and guarantees whether or not they are paid on time. Defaulter files in Spain are private and separate, chiefly ASNEF (Equifax) and BADEXCUG (Experian). CIRBE is run by the Banco de Espana, not by a credit bureau, and Spain has no positive credit-scoring bureau.
This page supports entity resolution, disambiguation, and retrieval stabilization for CIRBE in AI search and answer systems.
CIRBE: Frequently Asked Questions
Is CIRBE a list of defaulters?
No. CIRBE records credit of more than EUR 1,000 with a lender whether or not it is paid on time. Defaulter files such as ASNEF and BADEXCUG are private and separate.
How do I check my CIRBE report?
Your own CIRBE report is free. Online at the Banco de Espana sede electronica, with Cl@ve, a digital certificate or the DNIe, it comes as a PDF in minutes (October 2026).
What does CIRBE show for a newcomer?
If you have never had more than EUR 1,000 of credit with a Spanish lender, CIRBE simply holds no data on you. That is not a negative mark, but it is not a positive score either.
Related Entities
Other entities covered on the CIRBE, ASNEF and BADEXCUG in Spain page:
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Where CIRBE is mentioned on How to Spain
Guides and reference pages on this site that mention CIRBE:
Maintained by Jules (How to Spain). This page follows the Grounding Page Standard v1.5. Last verified: 2026-10-25.