FAQ - The FICP and the loan application


This section gathers the frequently asked questions on the FICP file and the request for credit by the visitors of the site.

The FICP and the loan application

What is FICP carding?
The FICP is a file managed by the Banque de France to list payment incidents or a request for an over-indebtedness file made by an individual.
This measure prevents an individual who already has difficulty repaying his loans subscribes another loan.
Personal Credit Repayment Incidents File
How do I know if I am on the FICP?
To find out which institution has registered you, you must go to the Banque de France with an identity document. You can also send a letter to the following address:

Bank of France SFIPRP
Relations with individuals
86067 POITIERS CEDEX 9


In this case, attach a photocopy of both sides of your identity document.
The answer will be sent to you by post.
You will be able to obtain the following information:

  • name of the declarant (credit institution or over-indebtedness commission)
  • nature of the registration (payment incident or over-indebtedness file)
  • FICP registration end date.
Request FICP information
How long does an FICP file take?
The maximum duration is 10 years, but it depends on the reasons for your registration.
Duration of the FICP file.
I am on a FICP file, when can I make a loan or a loan buyback?
If you are a tenant, you cannot make any new credit as long as you are on the FICP file. If you are a homeowner or homeowner, you may want to consider a mortgage loan.
FICP file and credit application
I refunded everything and I'm still on file. What to do ?
After the filing, it takes two months for all financial institutions to update their own files. However, the registration continues after this period, check certain elements.
Abusive FICP carding
I benefited from a forgiveness of my debts. When can I renew a loan?
The duration of the registration is between 8 and 10 years depending on your case.
FICP filing period and debt cancellation
I am no longer on the FICP file. Where to apply for credit?
Avoid all establishments with which you have had payment incidents (which had to keep an internal record of your collection). Try your luck at several other establishments.
All you have to do is compare the best rates
The duration of the FICP filing starts when the over-indebtedness file is submitted, when it is admissible or when the final decision is taken. A new law on consumer credit is in preparation, do you think there will be retroactivity?
The FICP filing starts from the moment a financial institution warns the Banque de France that you are in arrears ... therefore well above all the events that you describe. Moreover, it is extremely rare in France for a new law to be retroactive.

You will find below a selection of establishments offering credit redemption:

You will find below a selection of establishments offering credit redemption:

Establishments Benefits Click!
Cofinoga An immediate online response in principle for consumer loan buybacks cofinoga
Younited Credit A loan for individuals ... between individuals. Often very well positioned in terms of credit. Younited Credit
Finishes Established since 1998. Obtain a first estimate of your reduced monthly payment in real time FinaPrets


See as well :


A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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