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I am Italian, looking to move back to Italy. I'd like to know if Italy has some sort of credit-score or credit history and this is actually checked on mortgage application?

Is credit score report really checked when buying something on credit, like a mortgage, furniture repaid monthly or opening a new credit card?

How evolved is the credit-history system?

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Banca d'Italia manages the Centrale Rischi, that can be accessed not only by companies but individuals as well. It stores information about credit that has been assigned and errors in payments. It is checked for mortgages.

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