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Ci siamo quasi tutti: schedati in base al nostro comportamento di pagatori. A farlo sono le cosiddette agenzie di informazioni creditizie. Quelle più grandi contengono milioni e milioni di nomi: quattro, cinque, addirittura sei e più.
Adulti e minorenni; persone in difficoltà finanziarie, colpite da precetti esecutivi o addirittura da attestati di carenza beni, ma anche cittadini integerrimi, che pagano regolarmente, senza accumulare nemmeno un giorno di ritardo.
Naturalmente, tra “malpaga” e “bonapaga”, come si direbbe in dialetto, i giudizi cambiano: il cosiddetto indice di solvibilità è negativo per i primi, buono per i secondi, che rappresentano la maggioranza delle persone schedate.
Non si può negare che le informazioni fornite da queste agenzie possono essere preziose: conoscere l’affidabilità finanziaria della propria controparte contrattuale mette al riparo da brutte sorprese!
Tutto bene, allora? Non proprio, perché troppo spesso queste banche dati contengono errori che i diretti interessati scoprono solo nel momento in cui si vedono negare un credito o un acquisto. E spesso cadono dalle nuvole, come successo a questi cittadini.
Patti chiari del 7.11.2014: "Tutti schedati" di Riccardo Fanciola
RSI Inchieste andate in onda 08.11.2014, 17:37
Per verificare se siete schedati dalle agenzie di informazione creditizie e se le vostre informazioni sono corrette, potete scrivere alle 5 banche dati principali. Qui si trovano le lettere tipo da mandare alle società e tutte le informazioni necessarie.
Hai qualcosa da aggiungere a questa storia? Scrivilo nei commenti! Se invece vuoi rivedere la puntata intera, CLICCA QUI.
Prese di posizione
Società che dispongono di una banca dati propria:
- BISNODE
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/k74nf5-BISNODE/download/Bisnode.pdf
- CREDITREFORM
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/ljkk6y-CREDITREFORM/download/Creditreform.pdf
- CRIF
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/bysxa5-CRIF/download/CRIF.pdf
e
- PRESA DI POSIZIONE DI CRIF
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/pwoh3o-PRESA-DI-POSIZIONE-DI-CRIF/download/PRESA+DI+POSIZIONE+DI++CRIF.pdf
- INTRUM JUSTITIA
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/1v9ws3-INTRUM-JUSTITIA/download/Intrum+Justitia.pdf
Società che forniscono dati sulla solvibilità ma non dispongono di banche dati:
- CREDITA
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/1i2u7t-CREDITA/download/Credita.pdf
- EASYMONITORING
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/3og63m-EASYMONITORING/download/Easymonitoring.pdf
- INFOKEY
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/no6ccf-INFOKEY/download/Infokey.pdf
- INFOSCORE
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/klbze-INFOSCORE/download/Infoscore.pdf
- MONEYHOUSE
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/b5sxxq-MONEYHOUSE/download/Moneyhouse.pdf
- KREDITSCHUTZVERBAND
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/gt117i-KREDITSCHUTZVERBAND/download/Kreditschutzverband.pdf
Presa di posizione EOS sul caso di Susanna Fior:
- EOS
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/70x47y-EOS/download/Eos.pdf
Le risposte di ZEK:
- ZEK RISPOSTE COMPLETE
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/fdz15f-ZEK-RISPOSTE-COMPLETE/download/ZEK+RISPOSTE+COMPLETE.pdf
Caso Waeber:
- Le risposte di BANK-now e ZEK
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/bbl31e-Le-risposte-di-BANK-now-e-ZEK/download/Le+risposte+di+BANK-now+e+ZEK.pdf
- DOMANDE PER SOCIETA' CHE FORNISCONO DATI
https://cook.cue.rsi.ch/rsi/la1/programmi/informazione/patti-chiari/ove13h-DOMANDE-PER-SOCIETA-CHE-FORNISCONO-DATI/download/DOMANDE+PER+SOCIETA%2527+CHE+FORNISCONO+DATI.pdf
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