Listed for a credit incident: what it really changes for a loan
Being on a credit-incident register does not close every door. What the listing blocks, what it does not, and how to move forward.
By The editorial team · June 15, 2026
What the register is
A national credit-incident register records characterised payment incidents. Being on it flags a past default; it is not a ban on borrowing.
The listing is temporary: it is lifted once the incident is regularised, or at the end of a maximum period.
What the listing blocks
While you are listed, classic credit granted on a simple score will almost always be refused: high-street banks check the register and stop there.
What remains possible
Financing backed by real collateral — a property, for instance — can be studied despite the listing, because the decision no longer rests on the score alone.
Above all, check your exact situation with your central bank: the right of access is free, and it avoids filing a file bound to be refused.
Unsure about your file?
Run the Reading: honest guidance, in a few minutes, with no commitment.
Run my Reading