Taking into consideration the risks for private life, intimacy and family life of individuals subsequent to an automatic processing and in order to prevent certain abuses in the activity of registering data into filling systems of credit bureau type, which may produce consequences upon a considerable number of citizens, the National supervisory authority adopted a decision regarding the processing of personal data performed in filling systems of credit bureau type published in the Official Monitor no. 891 from 27 December 2007.

As a consequence, through this decision it was established that:

can participate to the filling systems of credit bureau type only financial and credit institution, leasing institutions and those of credit type products insurances;

the period of the data storage referring to the delays at payments (negative data) is of four (4) years counting from the day of payment of the last unpaid rate or from the day of the last transmitted update, in case of un-payment of the debt until that certain day;

negative date must be transmitted to the credit bureaus only after 30 days since the date of payment term expired;

an in advance notice of the citizen is mandatory, notice done in writing, by phone, SMS or e-mail at least 15 days before the day of the transmission of data to the credit bureau. This decision enters into force in 60 days from the day of its publishing.