Positive credit file: negative?


Is the positive file negative for the consumer?

The debate on the creation of a positive file in France is revived by the Experian Company. This one wants to put in database all the French holders of a credit, even if they do not have an incident of payment.
Several of our European neighbors and the United States have already set up positive file type databases . All customer and debt data are therefore kept and made available to banks.

Thus, before granting a loan, a bank queries the file and therefore has access:

  • the customer's personal data (addresses, jobs, assets, etc.)
  • to its debt ratio
  • to its current loans (real estate, consumption, overdrafts ...)
  • possible payment incidents ...

The positive file? ... Very positive for the owner of the file!

This very intrusive file is presented as a solution to over-indebtedness. This first point is totally contradicted by the sub-prime crisis experienced by the United States. The positive file cannot predict the life of a consumer . The major reason for over-indebtedness in France is accidents of life (divorce, unemployment, loss of spouse ...).

The banks are fighting to revive the good customers, well noted in the positive file ... This means untimely, permanent reminders, to buy back the neighbor's credits! We can clearly see the financial interest for the owner of the file . We already receive enough advertisements from the credit organizations with which we are a client to also receive those of others!

France , a country of human rights, is traditionally against anything that can infringe on the privacy of consumers . The CNIL is fiercely opposed to the creation of a positive file listing all the customers of banks and credit organizations with mortgage or consumer loans. The majority of consumer associations and banks are also against the creation of such a file.
To avoid over-indebtedness, France has adopted the FICP file (managed by the Banque de France, guarantor of confidentiality) which only collects "negative" information where only bad payers appear. It's largely enough !



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