{"id":2753,"date":"2021-03-23T08:30:00","date_gmt":"2021-03-23T07:30:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=2753"},"modified":"2025-10-30T13:30:05","modified_gmt":"2025-10-30T12:30:05","slug":"pozitivni-vs-negativni-zaznam-v-registru-dluzniku","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/pozitivni-vs-negativni-zaznam-v-registru-dluzniku\/","title":{"rendered":"Pozitivn\u00ed vs. negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f. V \u010dem se li\u0161\u00ed?"},"content":{"rendered":"\n

\u00dav\u011brov\u00e9 registry, kter\u00fdm se tak\u00e9 \u0159\u00edk\u00e1 registry dlu\u017en\u00edk\u016f, maj\u00ed za \u00fakol shroma\u017e\u010fovat informace o platebn\u00ed mor\u00e1lce<\/strong> fyzick\u00fdch i pr\u00e1vnick\u00fdch osob, kter\u00e9 spl\u00e1cej\u00ed n\u011bjak\u00fd typ \u00fav\u011br\u016f nebo opakovan\u00e9ho pln\u011bn\u00ed. To znamen\u00e1, \u017ee jsou v nich zahrnuti jak lid\u00e9, kte\u0159\u00ed sv\u00e9 \u00fav\u011bry \u0159\u00e1dn\u011b spl\u00e1cej\u00ed, tak i ti, kte\u0159\u00ed maj\u00ed s pravideln\u00fdm spl\u00e1cen\u00edm probl\u00e9my.<\/p>\n\n\n\n

Informace o klientech, jejich z\u00e1vazc\u00edch a platebn\u00ed mor\u00e1lce v r\u00e1mci t\u011bchto datab\u00e1z\u00ed sd\u00edlej\u00ed p\u0159edev\u0161\u00edm banky a nebankovn\u00ed \u00fav\u011brov\u00e9 spole\u010dnosti, ale v n\u011bkter\u00fdch registrech t\u0159eba i poskytovatel\u00e9 energi\u00ed nebo mobiln\u00ed oper\u00e1to\u0159i<\/strong>.<\/p>\n\n\n

\"Ne\u010dekan\u00e9<\/a><\/figure>\n
\"Ne\u010dekan\u00e9<\/a><\/figure>\n\n\n

C\u00edlem je ochrana spot\u0159ebitele<\/strong><\/h2>\n\n\n\n

C\u00edlem \u00fav\u011brov\u00fdch registr\u016f je p\u0159edev\u0161\u00edm ochr\u00e1nit spot\u0159ebitele p\u0159ed p\u0159edlu\u017een\u00edm. D\u00edky informac\u00edm o jeho dal\u0161\u00edch z\u00e1vazc\u00edch a platebn\u00ed mor\u00e1lce mohou poskytovatel\u00e9 \u00fav\u011br\u016f zodpov\u011bdn\u011b posoudit, jestli po\u017eadovan\u00e1 p\u016fj\u010dka <\/a>spot\u0159ebiteli nezp\u016fsob\u00ed finan\u010dn\u00ed probl\u00e9my. Druh\u00fdm d\u016fle\u017eit\u00fdm c\u00edlem registr\u016f je \u0159\u00edzen\u00ed \u00fav\u011brov\u00fdch rizik poskytovatel\u016f finan\u010dn\u00edch slu\u017eeb. Poskytovatel\u00e9 p\u016fj\u010dek tak\u00e9 na z\u00e1klad\u011b dat z registr\u016f mohou posoudit bonitu potenci\u00e1ln\u00edch klient\u016f.<\/strong><\/p>\n\n\n\n

P\u016fj\u010dka<\/a> bez registru? Zbyte\u010dn\u00fd risk<\/em><\/strong>

\u00dav\u011brov\u00e9 spole\u010dnosti maj\u00ed v \u010cesku<\/em> povinnost prov\u011b\u0159ovat bonitu \u017eadatel\u016f o p\u016fj\u010dku<\/em><\/strong>. Pokud tedy naraz\u00edte na nab\u00eddku p\u016fj\u010dky<\/a> bez nahl\u00ed\u017een\u00ed do \u00fav\u011brov\u00e9ho registru nebo bez dolo\u017een\u00ed p\u0159\u00edjm\u016f, m\u011bjte se na pozoru. Takov\u00fd poskytovatel \u00fav\u011bru pravd\u011bpodobn\u011b tak\u00e9 c\u00edl\u00ed na klienty, kte\u0159\u00ed maj\u00ed n\u011bjak\u00fd finan\u010dn\u00ed \u0161kraloup. Dan\u00ed za ignorov\u00e1n\u00ed registru dlu\u017en\u00edk\u016f a obecn\u011b ov\u011b\u0159en\u00ed p\u0159\u00edjm\u016f a v\u00fddaj\u016f z\u00e1jemce o p\u016fj\u010dku b\u00fdvaj\u00ed vysok\u00e9 \u00faroky<\/a>, nev\u00fdhodn\u00e9 podm\u00ednky spl\u00e1cen\u00ed i p\u0159emr\u0161t\u011bn\u00e9 poplatky za jak\u00fdkoliv proh\u0159e\u0161ek. Zd\u00e1nliv\u011b v\u00fdhodn\u00e1 a rychl\u00e1 p\u016fj\u010dka tak m\u016f\u017ee v\u00e9st rovnou do dluhov\u00e9 spir\u00e1ly.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Informace obsa\u017een\u00e9 v registrech ale chr\u00e1n\u00ed i samotn\u00e9 dlu\u017en\u00edky, u kter\u00fdch hroz\u00ed, \u017ee by se \u010derp\u00e1n\u00edm dal\u0161\u00edho \u00fav\u011bru mohli dostat do finan\u010dn\u00edch pot\u00ed\u017e\u00ed. Ve\u0161ker\u00e1 data o klientech jsou v \u00fav\u011brov\u00fdch registrech d\u016fkladn\u011b zabezpe\u010dena<\/strong>, a proto se k nim mohou dostat pouze finan\u010dn\u00ed instituce, kter\u00e9 maj\u00ed s dan\u00fdm registrem uzav\u0159enou smlouvu. <\/p>\n\n\n

TIP!<\/div>
Chceme lidem zp\u0159\u00edjem\u0148ovat n\u00e1kupy, ne je zadlu\u017eovat. Co pro to d\u011bl\u00e1me?<\/a><\/b><\/div><\/div>\n\n\n\n

Pozitivn\u00ed z\u00e1znam je lep\u0161\u00ed ne\u017e \u017e\u00e1dn\u00fd<\/h2>\n\n\n\n

Pozitivn\u00ed z\u00e1znam je znamen\u00edm, \u017ee ke sv\u00fdm z\u00e1vazk\u016fm p\u0159istupujete zodpov\u011bdn\u011b a hl\u00edd\u00e1te si term\u00edny spl\u00e1tek. To v\u00e1m m\u016f\u017ee p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku pomoct. <\/strong>V n\u011bkter\u00fdch p\u0159\u00edpadech jsou pro poskytovatele p\u016fj\u010dek dokonce v\u011brohodn\u011bj\u0161\u00ed ti \u017eadatel\u00e9, kte\u0159\u00ed maj\u00ed pozitivn\u00ed historii spl\u00e1cen\u00ed, ne\u017e ti, kte\u0159\u00ed zat\u00edm \u017e\u00e1dn\u00fd z\u00e1znam nemaj\u00ed. U nich toti\u017e nelze odhadnout, jak\u00e1 bude jejich platebn\u00ed mor\u00e1lka. Negativn\u00ed z\u00e1znam v\u00e1m cestu k p\u016fj\u010dce nebo hypot\u00e9ce pravd\u011bpodobn\u011b zkomplikuje.<\/p>\n\n\n\n

To znamen\u00e1, \u017ee d\u016fsledn\u011b spl\u00e1cen\u00e1 p\u016fj\u010dka, auto na leasing nebo vyu\u017e\u00edv\u00e1n\u00ed na\u0161eho Skipov\u00e1n\u00ed<\/a> v\u00e1m m\u016f\u017ee pomoci s vytvo\u0159en\u00edm pozitivn\u00ed platebn\u00ed historie<\/strong>, kter\u00e1 v\u00e1m v o\u010d\u00edch bank a \u00fav\u011brov\u00fdch spole\u010dnost\u00ed p\u0159id\u00e1 body k dobru. P\u0159i \u017e\u00e1dosti o jin\u00fd \u00fav\u011brov\u00fd produkt je ale samoz\u0159ejm\u011b d\u016fle\u017eit\u00e1 i v\u00fd\u0161e va\u0161ich p\u0159\u00edjm\u016f. Ta by m\u011bla b\u00fdt takov\u00e1, abyste nov\u00fd z\u00e1vazek mohli bez pot\u00ed\u017e\u00ed spl\u00e1cet, a va\u0161e dal\u0161\u00ed \u017eivotn\u00ed n\u00e1klady. <\/p>\n\n\n\n

\"Jak
V\u00edme, jak si ov\u011b\u0159\u00edte sv\u00e9 sk\u00f3re v \u00fav\u011brov\u00fdch registrech.<\/figcaption><\/figure>\n\n\n\n

Velk\u00e1 trojka mezi \u010desk\u00fdmi registry<\/strong><\/h2>\n\n\n\n

V \u010cesk\u00e9 republice existuje n\u011bkolik \u00fav\u011brov\u00fdch registr\u016f. Nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a informa\u010dn\u011b nejobs\u00e1hlej\u0161\u00ed jsou t\u0159i: Bankovn\u00ed registr klientsk\u00fdch informac\u00ed (BRKI),<\/strong> Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed (NRKI)<\/strong>, registr SOLUS<\/strong>. V \u010dem se li\u0161\u00ed?<\/p>\n\n\n\n

BRKI (Bankovn\u00ed registr klientsk\u00fdch informac\u00ed)<\/strong><\/h3>\n\n\n\n

Za vznikem tohoto registru stoj\u00ed samotn\u00e9 banky, kter\u00e9 cht\u011bly vytvo\u0159it platformu, kde budou navz\u00e1jem sd\u00edlet informace o bonit\u011b sv\u00fdch klient\u016f. U zrodu BRKI v roce 2000 byly \u010cesk\u00e1 spo\u0159itelna, \u010cSOB, Komer\u010dn\u00ed banka, MONETA Money Bank a UniCredit Bank. V sou\u010dasn\u00e9 dob\u011b m\u00e1 BRKI p\u0159es 20 \u010dlen\u016f, mezi nimi\u017e figuruje v\u011bt\u0161ina velk\u00fdch bankovn\u00edch dom\u016f, kter\u00e9 p\u016fsob\u00ed na \u010desk\u00e9m trhu. BRKI ve sv\u00fdch datab\u00e1z\u00edch uchov\u00e1v\u00e1 jak pozitivn\u00ed, tak i negativn\u00ed z\u00e1znamy. V registru jsou zaznamen\u00e1ny tak\u00e9 \u017e\u00e1dosti o \u00fav\u011brov\u00e9 produkty (p\u016fj\u010dky, hypot\u00e9ky, kreditn\u00ed karty), a to v\u010detn\u011b t\u011bch zam\u00edtnut\u00fdch. <\/p>\n\n\n\n

NRKI (Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed)<\/strong><\/h3>\n\n\n\n

NRKI vznikl roku 2004 a funguje na podobn\u00e9m principu jako sestersk\u00fd BRKI. Rozd\u00edl je v tom, \u017ee NRKI sdru\u017euje nebankovn\u00ed, spl\u00e1tkov\u00e9 a leasingov\u00e9 spole\u010dnosti<\/strong> a shroma\u017e\u010fuje informace nejen o fyzick\u00fdch, ale tak\u00e9 o pr\u00e1vnick\u00fdch osob\u00e1ch. Aktu\u00e1ln\u011b m\u00e1 kolem 40 \u010dlen\u016f, mezi nimi\u017e je i spole\u010dnost Skip Pay, kter\u00e1 do nebankovn\u00edho registru nahl\u00ed\u017e\u00ed p\u0159i schvalov\u00e1n\u00ed \u00fa\u010dt\u016f s ov\u011b\u0159en\u00edm<\/a>. <\/p>\n\n\n\n

Pokud k tomu klient ud\u011bl\u00ed souhlas, co\u017e v\u011bt\u0161inou ud\u011bl\u00e1, jestli\u017ee nem\u00e1 co skr\u00fdvat, mohou NRKI a BRKI vz\u00e1jemn\u011b sd\u00edlet informace. To znamen\u00e1, \u017ee a\u010dkoliv jde form\u00e1ln\u011b o dv\u011b pr\u00e1vn\u00ed entity, prakticky je to jeden registr.<\/strong><\/p>\n\n\n\n

SOLUS<\/strong><\/h3>\n\n\n\n

Z\u00e1jmov\u00e9 sdru\u017een\u00ed pr\u00e1vnick\u00fdch osob SOLUS, kter\u00e9 svou \u010dinnost spustilo u\u017e v roce 1999, provozuje hned n\u011bkolik registr\u016f. Nejv\u00fdznamn\u011bj\u0161\u00ed z nich jsou Registr fyzick\u00fdch osob (Registr FO) a Registr podnikatel\u016f a pr\u00e1vnick\u00fdch osob (Registr I\u010c). Jde \u010dist\u011b o negativn\u00ed registry<\/strong>, kter\u00e9 zaznamen\u00e1vaj\u00ed prodlen\u00ed v pln\u011bn\u00ed t\u0159\u00ed po sob\u011b n\u00e1sleduj\u00edc\u00edch spl\u00e1tek v\u016f\u010di \u010dlen\u016fm SOLUSu. Od BRKI a NRKI se SOLUS li\u0161\u00ed t\u00edm, \u017ee nesdru\u017euje pouze bankovn\u00ed a nebankovn\u00ed spole\u010dnosti, ale jeho \u010dleny jsou tak\u00e9 telekomunika\u010dn\u00ed spole\u010dnosti nebo dodavatel\u00e9 energi\u00ed. Pro z\u00edsk\u00e1n\u00ed negativn\u00edho z\u00e1znamu tak mnohdy sta\u010d\u00ed opo\u017ed\u011bn\u00e1 \u00fahrada faktury za telefon.<\/p>\n\n\n\n

Jak si stoj\u00edte v \u00fav\u011brov\u00fdch registrech?<\/em><\/strong>

Pokud chcete zjistit, jak\u00e9 je va\u0161e sk\u00f3re, pokud jde o \u00fav\u011brov\u00e9 registry, m\u016f\u017eete to zjistit z pohodl\u00ed domova d\u00edky<\/em> specializovan\u00fdm port\u00e1l\u016fm, kter\u00e9 pro v\u00e1s informace shrom\u00e1\u017ed\u00ed.<\/em><\/strong> Sta\u010d\u00ed se jen zaregistrovat a potvrdit svou toto\u017enost. Z\u00edsk\u00e1n\u00ed v\u00fdpisu z registr\u016f je sice zpoplatn\u011bn\u00e9, ale pokud chcete v\u011bd\u011bt, jak si stoj\u00edte, nebo si l\u00e1mete hlavu nad t\u00edm, pro\u010d v\u00e1m banka neschv\u00e1lila \u017e\u00e1dost o \u00fav\u011br, jde o investici, kter\u00e1 se vyplat\u00ed.<\/em>

Nejsemdlu\u017en\u00edk.cz<\/em><\/strong>
Port\u00e1l Nejsemdlu\u017en\u00edk.cz nab\u00edz\u00ed bal\u00ed\u010dek, kter\u00fdm m\u016f\u017eete prok\u00e1zat svou bezprobl\u00e9movou platebn\u00ed historii. A nebo zjistit, \u017ee n\u011bkde m\u00e1te nesplacen\u00fd dluh. Sou\u010d\u00e1st\u00ed je v\u00fdpis z negativn\u00edch rejst\u0159\u00edk\u016f SOLUS, Centr\u00e1ln\u00ed evidence exekuc\u00ed nebo Insolven\u010dn\u00edho rejst\u0159\u00edku. Jako fyzick\u00e1 osoba za v\u00fdpis zaplat\u00edte 200 korun, podnikatel\u00e9 a pr\u00e1vnick\u00e9 osoby si p\u0159iplat\u00ed 50 korun.<\/em>

Kolikmam.cz<\/em><\/strong>
Slu\u017eba Kolikmam.cz pro v\u00e1s za 100 korun zajist\u00ed v\u00fdpis z rejst\u0159\u00edk\u016f BRKI a NRKI. Za 40 korun v\u00e1m pom\u016f\u017ee ov\u011b\u0159it, jestli jste v exekuci. Za 499 korun si pak m\u016f\u017eete po\u0159\u00eddit ro\u010dn\u00ed p\u0159edplatn\u00e9, kter\u00e9 zahrnuje 4 kontroly registr\u016f BRKI a NRKI a jeho sou\u010d\u00e1st\u00ed je i komplexn\u00ed hodnocen\u00ed va\u0161\u00ed \u00fav\u011brov\u00e9 situace.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

To, \u017ee va\u0161e jm\u00e9no v podobn\u00e9 datab\u00e1zi figuruje v registru dlu\u017en\u00edk\u016f, samo o sob\u011b nic neznamen\u00e1. D\u016fle\u017eit\u00e9 je, jestli je v\u00e1\u0161 z\u00e1znam pozitivn\u00ed, nebo negativn\u00ed. Zat\u00edmco prvn\u00ed mo\u017enost znamen\u00e1, \u017ee zodpov\u011bdn\u011b spl\u00e1c\u00edte sv\u00e9 z\u00e1vazky, druh\u00e1 varianta v\u00e1m m\u016f\u017ee zkomplikovat \u017eivot. Nebo minim\u00e1ln\u011b \u017e\u00e1dost o dal\u0161\u00ed p\u016fj\u010dku \u010di hypot\u00e9ku. Jak\u00e9 \u00fav\u011brov\u00e9 registry v \u010cesku existuj\u00ed?<\/p>\n","protected":false},"author":6,"featured_media":2748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[157,23],"class_list":["post-2753","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-financni-gramotnost","tag-pujcka","entry"],"acf":[],"yoast_head":"\nPozitivn\u00ed vs. negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f | Skip Pay<\/title>\n<meta name=\"description\" content=\"Z\u00e1znam v registru dlu\u017en\u00edk\u016f s\u00e1m o sob\u011b nic neznamen\u00e1. D\u016fle\u017eit\u00e9 je, jestli je pozitivn\u00ed, nebo negativn\u00ed. \ud83d\udcb8 Zjist\u011bte, jak\u00e9 je va\u0161e sk\u00f3re.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/pozitivni-vs-negativni-zaznam-v-registru-dluzniku\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pozitivn\u00ed vs. negativn\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"Z\u00e1znam v registru dlu\u017en\u00edk\u016f s\u00e1m o sob\u011b nic neznamen\u00e1. 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