The CIRBE report is the Bank of Spain document that lists every loan, credit card, credit line and guarantee that lenders have declared in your name. It is free by law, and in the fastest case it lands in your inbox in about fifteen minutes. There are four ways to request it — pick the one that matches your situation.
Go to the Bank of Spain’s electronic office (sede electrónica), section Central de Información de Riesgos, and choose the request for your risk report. Identify yourself with your certificate or Cl@ve, submit, and on a working day the PDF usually arrives within about fifteen minutes. Ask for the detailed report: it is the one that names each institution and each operation, and the only one useful for actually working on your case.
Download and sign the official FDU-031 form, attach a copy of your identity document, and post it to the Bank of Spain. This route has no certificate requirement. The Bank must deliver your report within ten working days at most.
Book a prior appointment (cita previa) at a Bank of Spain branch and bring your identity document. Same ten-working-day maximum, though in practice it is usually resolved on the spot or shortly after.
A representative holding a notarial power of attorney can request the report for you. The heirs of a deceased person can also request that person’s report, providing evidence of their status. This is the route we handle as a service — designed for people living outside Spain, people without a digital certificate, and anyone who simply does not want to fight the paperwork.
Errors are corrected by writing to the Bank of Spain — not to your bank — with the free FDU-030 form. The full mechanics, deadlines included, are explained on our main CIRBE page. And if your report is the starting point of a bigger debt problem, the fresh-start insolvency law may be the road.
Stuck at any step, or need someone to request it for you? Assess your case for free and we will take it from there.