FICP (National Personal Credit Payment Incident File)

The FICP is managed by the Bank of United States and is stipulated in the law as being a “national file which centralizes information concerning payment incidents related to loans granted to individuals for non-professional purposes. "

People who have not paid their last two monthly payments will be subject to a request for registration to the FICP with the Bank of United States by your bank.

This file records information concerning the payment incident, the type of credit taken out, the name of the credit institution, but not the amount of the loan granted. It naturally contains standard information: surname, first name and place of birth of the borrower.

This file allows credit institutions to track individuals who have had or are in difficulty in repaying their credit. Indeed, if you file an over-indebtedness file, you are then automatically declared in the FICP.
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