> This page is for Direct Executions. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://infonite.dev/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://infonite.dev/_mcp/server. # Credit Registry **Where it lives:** in the Spain Public Administration results, at `data.credit.registry`. APIs with dedicated per-product results endpoints return this model directly. The credit registry is the Bank of Spain's record of the person's debts: every loan, credit line and guarantee above the reporting threshold, entity by entity. It is the reference document for indebtedness analysis, and the official PDF report travels as an [attachment](/guides/data-models/attachments). ### Schema (`EUCreditRegistryDataSchema`) The holder's risk position at a central credit register: in Spain, the Bank of Spain's CIRBE report, detailed (one row per operation and entity) or aggregated (operations grouped, no entities). Every key the register prints comes twice: as its meaning (an enum, the same whatever the report's period) and as the printed code (the `*_code` fields). Every amount is always present. One the report did not give — when the report could not be read — comes with currency `***` and amount `NaN`: unknown, never zero. ```yaml components: schemas: EuCreditRegistryDataSchemaSubFamily: type: string enum: - credit_registry_data:es_cirbe_detailed - credit_registry_data:es_cirbe_aggregated description: >- Which report this is: detailed or aggregated — what the document turned out to be, not what was requested. A holder with nothing declared to the register only ever gets the aggregated report. title: EuCreditRegistryDataSchemaSubFamily IdentificationNumberSchemaType: type: string enum: - unknown - es:dni - es:nie - es:cif - es:ssn - co:cc - co:ce - co:nit - co:ti description: >- Kind of document the number belongs to (e.g. a national ID, passport, tax ID, or Social Security number). title: IdentificationNumberSchemaType IdentificationNumberSchema: type: object properties: type: $ref: '#/components/schemas/IdentificationNumberSchemaType' description: >- Kind of document the number belongs to (e.g. a national ID, passport, tax ID, or Social Security number). value: type: string description: The number itself, as reported by the source. validated: type: boolean description: >- True when the value passed the platform's format and check-digit validation. It vouches for the NUMBER being well-formed — not for the official status of the document behind it. country: type: - string - 'null' format: country description: Country that issued the number, as a two-letter ISO code. valid_until: type: string format: date description: Expiry date of the document, when the source reports it. required: - type - value - validated description: >- One identification document: its type, its value, and whether the value passed validation. title: IdentificationNumberSchema CurrencyAmountSchemaCurrency: oneOf: - type: string format: currency - type: string enum: - '***' description: >- Three-letter ISO currency code — or `***` when the source did not disclose the currency. title: CurrencyAmountSchemaCurrency CurrencyAmountSchema: type: object properties: currency: $ref: '#/components/schemas/CurrencyAmountSchemaCurrency' description: >- Three-letter ISO currency code — or `***` when the source did not disclose the currency. amount: type: string format: number description: Decimal number with 2 digits precision required: - currency - amount description: A monetary amount together with its currency. title: CurrencyAmountSchema CreditRegistryProductType: type: string enum: - securities_lending - trade_credit_with_recourse - trade_credit_without_recourse - trade_receivables - financial_credit - financial_lease - reverse_repurchase_agreement - debt_securities - financial_guarantee - forward_deposit - non_financial_guarantee - irrevocable_documentary_credit - available_in_other_commitments - overdraft - credit_card_debt - deposit - revolving_credit - credit_line - other_loans description: Type of product or operation ("Tipo de producto/operación"). title: CreditRegistryProductType CreditRegistryInterventionNature: type: string enum: - direct_holder - guarantor - bill_signatory description: >- How the report's holder takes part in the operation ("Naturaleza de la intervención"). title: CreditRegistryInterventionNature CreditRegistryJointLiability: type: string enum: - joint_and_several - collective - not_joint_and_several description: >- Whether the holder answers for the operation together with others ("Solidario/colectivo"). A CIR report prints nothing when neither applies; that is "not stated", not a member. title: CreditRegistryJointLiability CreditRegistryResidualMaturity: type: string enum: - up_to_three_months - three_months_to_one_year - one_to_five_years - over_five_years - indeterminate description: >- Time left between the report's date and the operation's maturity ("Plazo residual"). title: CreditRegistryResidualMaturity CreditRegistryRealGuarantee: type: string enum: - none - financial_assets_pledge - real_estate_mortgage - other_real_guarantee - life_insurance_pledge - other_physical_collateral - credit_derivatives - financial_guarantee_other_than_credit_derivatives - other_protection - residential_real_estate - offices_and_commercial_premises - commercial_real_estate - debt_securities - gold - cash_and_deposits - loans - trade_receivables - equity_and_investment_fund_shares description: >- Type of the principal real (collateral) guarantee ("Tipo de garantía real principal"). title: CreditRegistryRealGuarantee CreditRegistryGuaranteeCoverage: type: string enum: - total - partial description: >- How much of the risk (drawn and available) the principal guarantee covers. title: CreditRegistryGuaranteeCoverage CreditRegistryPersonalGuarantee: type: string enum: - none - public_administration - other_personal_guarantee - reporting_entity - public_credit_insurer - unspecified description: >- Type of the principal personal guarantee, beyond the direct holders' own ("Tipo de garantía personal principal"). title: CreditRegistryPersonalGuarantee CreditRegistryOperationSituation: type: string enum: - standard - restructured_under_rdl_6_2012 - refinanced_or_restructured - creditors_agreement - default_90_days_to_4_years - default_over_4_years - written_off description: Special situation of the operation ("Situación de la operación"). title: CreditRegistryOperationSituation OperationSchema: type: object properties: entity_name: type: - string - 'null' description: Name of the reporting entity. Detailed reports only. entity_code: type: - string - 'null' description: >- Bank of Spain code of the reporting entity (e.g. `0182`). Detailed reports only. operation_code: type: - string - 'null' description: >- Unique code of the operation, as the entity reports it. Detailed reports only. product_type: oneOf: - $ref: '#/components/schemas/CreditRegistryProductType' - type: 'null' description: >- Type of product: a loan, a lease, a guarantee… Empty only if the code is new to us; see `product_type_code`. product_type_code: type: - string - 'null' description: Product code as printed (e.g. `V32`). intervention_nature: oneOf: - $ref: '#/components/schemas/CreditRegistryInterventionNature' - type: 'null' description: >- How the holder takes part: as the direct obligor, or as a guarantor of someone else's operation. intervention_nature_code: type: - string - 'null' description: Intervention code as printed (e.g. `T11`). collective_status: oneOf: - $ref: '#/components/schemas/CreditRegistryJointLiability' - type: 'null' description: >- Whether the holder answers jointly and severally, or collectively, with others. Empty when neither. collective_status_code: type: - string - 'null' description: Code as printed (e.g. `T33`). participants_number: type: - integer - 'null' minimum: 1 description: >- Number of participants in a joint and several or collective operation. currency: type: string format: currency description: >- Currency the operation is contracted in. `XXX` means "other currencies". maturity_type: oneOf: - $ref: '#/components/schemas/CreditRegistryResidualMaturity' - type: 'null' description: Time left to maturity at the report's date. maturity_type_code: type: - string - 'null' description: Maturity code as printed (e.g. `L08`). real_guarantee_type: oneOf: - $ref: '#/components/schemas/CreditRegistryRealGuarantee' - type: 'null' description: 'Main real guarantee (collateral): a mortgage, a pledge… or `none`.' real_guarantee_type_code: type: - string - 'null' description: Code as printed (e.g. `G19`). real_guarantee_coverage: oneOf: - $ref: '#/components/schemas/CreditRegistryGuaranteeCoverage' - type: 'null' description: >- Whether the real guarantee covers all of the risk or part of it. Empty when there is no guarantee. real_guarantee_coverage_code: type: - string - 'null' description: Code as printed (e.g. `E14`). personal_guarantee_type: oneOf: - $ref: '#/components/schemas/CreditRegistryPersonalGuarantee' - type: 'null' description: Main personal guarantee beyond the holders' own, or `none`. personal_guarantee_type_code: type: - string - 'null' description: >- Code as printed (e.g. `G10`). Empty when there is no personal guarantee. personal_guarantee_coverage: oneOf: - $ref: '#/components/schemas/CreditRegistryGuaranteeCoverage' - type: 'null' description: Whether the personal guarantee covers all of the risk or part of it. personal_guarantee_coverage_code: type: - string - 'null' description: Code as printed (e.g. `E15`). operation_status: oneOf: - $ref: '#/components/schemas/CreditRegistryOperationSituation' - type: 'null' description: >- Special situation of the operation: refinanced, in default, written off… `standard` when none applies. operation_status_code: type: - string - 'null' description: >- Code as printed (e.g. `I19`). Empty when no special situation applies. total_drawn: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Amount drawn, overdue amounts included. In an aggregated report, exact to the thousand. overdue: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Part of the drawn amount that is overdue, with a first default over 90 days old. arrears: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Part of the overdue amount that is default interest and enforceable expenses. risk_available: $ref: '#/components/schemas/CurrencyAmountSchema' description: Amount still available to draw. required: - currency title: OperationSchema MinorRiskSchema: type: object properties: entity_name: type: string description: >- Name of an entity whose accumulated risk with the holder is below the reporting threshold. entity_code: type: - string - 'null' description: Bank of Spain code of the entity. limit_amount: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- The reporting threshold: 1,000 EUR from period 01-2021, 9,000 EUR before. required: - entity_name title: MinorRiskSchema ProductAttachmentType: type: string enum: - attachment:attachment - attachment:supplier_invoice - attachment:client_invoice - attachment:es-tgss-life-report - attachment:es-tgss-contribution-base-report - attachment:es-aeat-model-100 - attachment:es-cirbe-report - attachment:sepa-direct-debit-bill - attachment:person-certified-photo description: Product Attachment Type title: ProductAttachmentType FileAttachmentSchema: type: object properties: product: type: string enum: - attachment default: attachment description: The product type identifier. Always `attachment`. sub_family: $ref: '#/components/schemas/ProductAttachmentType' description: >- What kind of document this is (e.g. `attachment:es-tgss-life-report`). id: type: string format: object-id description: >- Attachment identifier — what the attachments endpoint of the API that returned the result takes to download the file. content_name: type: string description: File name of the document. content_hash: type: string description: Fingerprint of the content, to verify its integrity. content_type: type: string format: mime-type description: MIME type of the content. metadata: type: object additionalProperties: description: Any type description: >- Extra facts about the document, as simple key-value pairs (e.g. its official verification code, its issue date). required: - sub_family - id - content_name - content_type - metadata description: >- A document attached to a result — an official report, a receipt, an invoice... The entry describes the file; its bytes are downloaded with `id`, through the attachments endpoint of the API that returned the result. title: FileAttachmentSchema EUCreditRegistryDataSchema: type: object properties: product: type: string enum: - credit_registry_data description: The product type identifier. sub_family: $ref: '#/components/schemas/EuCreditRegistryDataSchemaSubFamily' description: >- Which report this is: detailed or aggregated — what the document turned out to be, not what was requested. A holder with nothing declared to the register only ever gets the aggregated report. fetch_date: type: string format: datetime description: Date this product was fetched. country: type: string format: country description: Country of the credit registry. holder_code: type: string description: >- The holder's code exactly as the report prints it (e.g. `ES44444444A`). Not reported when the report could not be read. holder_name: type: string description: >- Full name or business name of the holder, as the report prints it. Not reported when the report could not be read: the attached report is then the only reference. identifier: $ref: '#/components/schemas/IdentificationNumberSchema' description: >- The holder's national identifier, from the report's holder code. Not reported when the report could not be read. report_month: type: string description: Period the operations correspond to, `MM-YYYY`. consultation_date: type: - string - 'null' format: datetime description: When the register's data was taken, as the report states it. total_drawn: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Total drawn across every operation in the system. In an aggregated report, exact to the thousand. total_overdue: $ref: '#/components/schemas/CurrencyAmountSchema' description: Total overdue across every operation in the system. total_arrears: $ref: '#/components/schemas/CurrencyAmountSchema' description: Total default interest and enforceable expenses in the system. total_risk_available: $ref: '#/components/schemas/CurrencyAmountSchema' description: Total still available to draw in the system. operations: type: array items: $ref: '#/components/schemas/OperationSchema' default: [] description: >- The operations: one per operation in a detailed report, one per group in an aggregated one. minor_risks: type: array items: $ref: '#/components/schemas/MinorRiskSchema' default: [] description: >- Entities whose accumulated risk is below the reporting threshold. Detailed reports only. attachments: type: array items: $ref: '#/components/schemas/FileAttachmentSchema' default: [] description: The original report (PDF). required: - product - sub_family - fetch_date - country - report_month title: EUCreditRegistryDataSchema ``` ## Operations One entry per reported operation: ### Schema (`OperationSchema`) ```yaml components: schemas: CreditRegistryProductType: type: string enum: - securities_lending - trade_credit_with_recourse - trade_credit_without_recourse - trade_receivables - financial_credit - financial_lease - reverse_repurchase_agreement - debt_securities - financial_guarantee - forward_deposit - non_financial_guarantee - irrevocable_documentary_credit - available_in_other_commitments - overdraft - credit_card_debt - deposit - revolving_credit - credit_line - other_loans description: Type of product or operation ("Tipo de producto/operación"). title: CreditRegistryProductType CreditRegistryInterventionNature: type: string enum: - direct_holder - guarantor - bill_signatory description: >- How the report's holder takes part in the operation ("Naturaleza de la intervención"). title: CreditRegistryInterventionNature CreditRegistryJointLiability: type: string enum: - joint_and_several - collective - not_joint_and_several description: >- Whether the holder answers for the operation together with others ("Solidario/colectivo"). A CIR report prints nothing when neither applies; that is "not stated", not a member. title: CreditRegistryJointLiability CreditRegistryResidualMaturity: type: string enum: - up_to_three_months - three_months_to_one_year - one_to_five_years - over_five_years - indeterminate description: >- Time left between the report's date and the operation's maturity ("Plazo residual"). title: CreditRegistryResidualMaturity CreditRegistryRealGuarantee: type: string enum: - none - financial_assets_pledge - real_estate_mortgage - other_real_guarantee - life_insurance_pledge - other_physical_collateral - credit_derivatives - financial_guarantee_other_than_credit_derivatives - other_protection - residential_real_estate - offices_and_commercial_premises - commercial_real_estate - debt_securities - gold - cash_and_deposits - loans - trade_receivables - equity_and_investment_fund_shares description: >- Type of the principal real (collateral) guarantee ("Tipo de garantía real principal"). title: CreditRegistryRealGuarantee CreditRegistryGuaranteeCoverage: type: string enum: - total - partial description: >- How much of the risk (drawn and available) the principal guarantee covers. title: CreditRegistryGuaranteeCoverage CreditRegistryPersonalGuarantee: type: string enum: - none - public_administration - other_personal_guarantee - reporting_entity - public_credit_insurer - unspecified description: >- Type of the principal personal guarantee, beyond the direct holders' own ("Tipo de garantía personal principal"). title: CreditRegistryPersonalGuarantee CreditRegistryOperationSituation: type: string enum: - standard - restructured_under_rdl_6_2012 - refinanced_or_restructured - creditors_agreement - default_90_days_to_4_years - default_over_4_years - written_off description: Special situation of the operation ("Situación de la operación"). title: CreditRegistryOperationSituation CurrencyAmountSchemaCurrency: oneOf: - type: string format: currency - type: string enum: - '***' description: >- Three-letter ISO currency code — or `***` when the source did not disclose the currency. title: CurrencyAmountSchemaCurrency CurrencyAmountSchema: type: object properties: currency: $ref: '#/components/schemas/CurrencyAmountSchemaCurrency' description: >- Three-letter ISO currency code — or `***` when the source did not disclose the currency. amount: type: string format: number description: Decimal number with 2 digits precision required: - currency - amount description: A monetary amount together with its currency. title: CurrencyAmountSchema OperationSchema: type: object properties: entity_name: type: - string - 'null' description: Name of the reporting entity. Detailed reports only. entity_code: type: - string - 'null' description: >- Bank of Spain code of the reporting entity (e.g. `0182`). Detailed reports only. operation_code: type: - string - 'null' description: >- Unique code of the operation, as the entity reports it. Detailed reports only. product_type: oneOf: - $ref: '#/components/schemas/CreditRegistryProductType' - type: 'null' description: >- Type of product: a loan, a lease, a guarantee… Empty only if the code is new to us; see `product_type_code`. product_type_code: type: - string - 'null' description: Product code as printed (e.g. `V32`). intervention_nature: oneOf: - $ref: '#/components/schemas/CreditRegistryInterventionNature' - type: 'null' description: >- How the holder takes part: as the direct obligor, or as a guarantor of someone else's operation. intervention_nature_code: type: - string - 'null' description: Intervention code as printed (e.g. `T11`). collective_status: oneOf: - $ref: '#/components/schemas/CreditRegistryJointLiability' - type: 'null' description: >- Whether the holder answers jointly and severally, or collectively, with others. Empty when neither. collective_status_code: type: - string - 'null' description: Code as printed (e.g. `T33`). participants_number: type: - integer - 'null' minimum: 1 description: >- Number of participants in a joint and several or collective operation. currency: type: string format: currency description: >- Currency the operation is contracted in. `XXX` means "other currencies". maturity_type: oneOf: - $ref: '#/components/schemas/CreditRegistryResidualMaturity' - type: 'null' description: Time left to maturity at the report's date. maturity_type_code: type: - string - 'null' description: Maturity code as printed (e.g. `L08`). real_guarantee_type: oneOf: - $ref: '#/components/schemas/CreditRegistryRealGuarantee' - type: 'null' description: 'Main real guarantee (collateral): a mortgage, a pledge… or `none`.' real_guarantee_type_code: type: - string - 'null' description: Code as printed (e.g. `G19`). real_guarantee_coverage: oneOf: - $ref: '#/components/schemas/CreditRegistryGuaranteeCoverage' - type: 'null' description: >- Whether the real guarantee covers all of the risk or part of it. Empty when there is no guarantee. real_guarantee_coverage_code: type: - string - 'null' description: Code as printed (e.g. `E14`). personal_guarantee_type: oneOf: - $ref: '#/components/schemas/CreditRegistryPersonalGuarantee' - type: 'null' description: Main personal guarantee beyond the holders' own, or `none`. personal_guarantee_type_code: type: - string - 'null' description: >- Code as printed (e.g. `G10`). Empty when there is no personal guarantee. personal_guarantee_coverage: oneOf: - $ref: '#/components/schemas/CreditRegistryGuaranteeCoverage' - type: 'null' description: Whether the personal guarantee covers all of the risk or part of it. personal_guarantee_coverage_code: type: - string - 'null' description: Code as printed (e.g. `E15`). operation_status: oneOf: - $ref: '#/components/schemas/CreditRegistryOperationSituation' - type: 'null' description: >- Special situation of the operation: refinanced, in default, written off… `standard` when none applies. operation_status_code: type: - string - 'null' description: >- Code as printed (e.g. `I19`). Empty when no special situation applies. total_drawn: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Amount drawn, overdue amounts included. In an aggregated report, exact to the thousand. overdue: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Part of the drawn amount that is overdue, with a first default over 90 days old. arrears: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- Part of the overdue amount that is default interest and enforceable expenses. risk_available: $ref: '#/components/schemas/CurrencyAmountSchema' description: Amount still available to draw. required: - currency title: OperationSchema ``` ## Minor risks Positions below the detailed-reporting threshold, aggregated: ### Schema (`MinorRiskSchema`) ```yaml components: schemas: CurrencyAmountSchemaCurrency: oneOf: - type: string format: currency - type: string enum: - '***' description: >- Three-letter ISO currency code — or `***` when the source did not disclose the currency. title: CurrencyAmountSchemaCurrency CurrencyAmountSchema: type: object properties: currency: $ref: '#/components/schemas/CurrencyAmountSchemaCurrency' description: >- Three-letter ISO currency code — or `***` when the source did not disclose the currency. amount: type: string format: number description: Decimal number with 2 digits precision required: - currency - amount description: A monetary amount together with its currency. title: CurrencyAmountSchema MinorRiskSchema: type: object properties: entity_name: type: string description: >- Name of an entity whose accumulated risk with the holder is below the reporting threshold. entity_code: type: - string - 'null' description: Bank of Spain code of the entity. limit_amount: $ref: '#/components/schemas/CurrencyAmountSchema' description: >- The reporting threshold: 1,000 EUR from period 01-2021, 9,000 EUR before. required: - entity_name title: MinorRiskSchema ``` ## When the Bank of Spain does not serve the report The Bank of Spain serves the CIRBE report only to a person whose Cl\@ve registration reaches the level it requires. When it does not, `data.credit.registry` is absent and the Spain Public Administration session says why in its [`messages`](/flows/spain-public-administration/api-reference/spain-public-administration-api/sessions-results/flows-es-public-administration-v-1-session-results#response.body.messages): a `clave_level_insufficient` info message, located at `["data", "credit", "registry"]`. Trying again in the same session does not change it: the level is a property of the person's Cl\@ve registration. ## CIRBE is not a delinquency file CIRBE and ASNEF are often confused, and they answer different questions: | | CIRBE | ASNEF and other delinquency files | | :-------------------- | :----------------------------------------------------------------------------------- | :------------------------------------------------------------ | | **Who runs it** | The Banco de España, by law. | Private companies. | | **Who reports to it** | Banks and other credit institutions. | Any creditor that is a member, telcos and utilities included. | | **What it lists** | Every risk the person holds, current or not: loans, credit lines, cards, guarantees. | Only unpaid debts. | So the two never carry the same amounts: someone with a mortgage paid on time is in CIRBE and not in ASNEF. CIRBE is read **in the person's name**, from the Banco de España's own site, with their consent. Delinquency files are not a source on this platform.