The positive file is a register of consumer loans held by individuals. This is therefore the exhaustive list of personal loans, car loans, work loans, revolving loans, credit redemptions, which are in the process of being repaid. In the first versions of the law, mortgage loans were included.
This file can be consulted by the banks before granting a new loan . This will make it possible to verify all the credits of an individual but also to know if the latter has not voluntarily, or not, made a false declaration.
The positive file is therefore presented as a method to fight against over-indebtedness (this is not necessarily the case ...).
Note that the positive file will list all the credits, even if they are well paid. This is therefore information that differs from the FICP file , which only lists unpaid credits.
The first advantage is simple and clear for a banker, to have a real vision, simple and clear, of the indebtedness of an individual who requests a loan.
Conversely, we may fear that some lenders are based only on this file and grant loans a little too quickly.
Here the positive file will be useless because the file only lists consumer loans. This will not prevent an individual from making a false declaration on the amount of his rent or his mortgage, his level of taxation, his marital situation ... These are all factors that do not prevent over-indebtedness.
Should consultation of the file be made compulsory? If the banks do not use it, we see that the positive file will be a superb gas machine ... without interest!
If the consultation is mandatory for the constitution of a credit file, will it be necessary to allow furniture sellers to have access to it when a French person goes to buy his sofa on credit?
The example of Belgium, which adopted the positive file, is not really a success. Because since its establishment, Belgium has seen its over-indebtedness rate grow much faster than that of France. One more file ...
For the 130,000 French households which, each year, are likely to be over-indebted, we will therefore file 15 million French people. At a significant cost of 35 million euros per year.