National B2C Credit Assessment

Using information about private individuals effectively

CRIF B2C solutions provide you with reliable credit information on private individuals even before contracts are concluded, orders are accepted or goods are delivered.
Our solutions allow you to conveniently access all relevant information on your customers' financial risk at any time with a click of the mouse or via an interface.
CRIF information on private individuals provides you with reliable support in identifying and assessing the creditworthiness of private individuals. You can use this information to determine the right terms and conditions for your business and protect yourself against potential defaults. Take advantage of information on more than 62 million private individuals in Germany with CRIF's B2C products.

The advantages at a glance

  • Complete information

    Protection against bad debt and poor payers

  • Extensive information

    Information on more than 62 million private individuals in Germany

  • Information available on demand

    Second-fastest checks around the clock

  • Payment default risks

    Credit rating information for accurate assessment of payment default risks

  • Industry solution

    Information available for all industries and inquiry volumes

  • Support

    Information available for all industries and inquiry quantities. Our support team is available to answer any questions or provide customized quotes.

Our solution package for your individual requirements

CRIF has an extensive portfolio of
risk analysis and fraud prevention products.

  1. CreditCheck ONE

    CreditCheck ONE checks creditworthiness and performs risk assessments for individuals and companies.

  2. Identity Fraud Check

    The Identity Fraud Check verifies the identity and address details of your customers.

  3. Payment Fraud Check

    The Payment Fraud Check verifies the consistency of bank details, IP geolocations, and device irregularities.

  4. Digital Identity Check

    Digital Identity Check verifies your users' devices and digital identities.

  5. HAWKEYE

    With HAWKEYE, you always maintain control over your KPIs. Intuitively monitor transactions and define individual rules.

More information

Every risk is different – we have the right product for you

ConCheck & ConCheck + Ident

ConCheck products offer private individuals a differentiated basis for decision-making. ConCheck links a wide range of information sources and supports credit and delivery decisions in real time. You receive decision-making support to help you determine payment and delivery terms. Red, yellow, or green—the ConCheck traffic light and score provide you with information about the payment default risk of private individuals. CRIF provides information on existing hard, medium, and/or soft negative characteristics relating to the person in question. As standard, CRIF also checks the address data against the CRIF database, compares the address entered, and corrects and supplements it if necessary. The ConCheck + Ident product offers an additional address check using external data sources. Detailed information on existing negative characteristics, the data of the competent court, and the file number are provided with all ConCheck products.

NegativeCheck & NegativeCheck Hard

NegativeCheck Hard provides you with the following information on domestic private individuals: failure to disclose assets, creditor satisfaction excluded, and creditor satisfaction not proven (in each case in accordance with the German Code of Civil Procedure (ZPO) or the German Fiscal Code (AO)), as well as private insolvencies. The NegativeCheck product variant also takes into account current debt collection information with soft and medium negative characteristics.

ConCheck AT & ConCheck CH

In addition to information on private individuals in Germany, we also offer information on private individuals in Austria and Switzerland. Similar to ConCheck, you also receive address validation and identification checks based on the address databases of CRIF's national companies, as well as information on any negative characteristics currently available. A clear score value provides you with information about the respective payment default risk.