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b.ONE: National B2C Creditworthiness Rating

Before acceptance of an order or prior to delivery of goods it is becoming increasingly important to be able to quickly and easily obtain up-to-date creditworthiness information on private individuals.

Consumer information provided by CRIF reliably supports you in the identification process and assessing the creditworthiness of private individuals. This information allows you to determine the right terms and conditions for your business and protect yourself against possible payment defaults. Leverage creditworthiness-relevant information on more than 62 million private individuals in Germany with the B2C products from CRIF.

Effectively reduce your payment default risk.

CRIF’s ConCheck products have been developed especially for checking the creditworthiness of consumers. By linking exclusive information and data sources, they support delivery and credit decisions in real time, i.e. during the order or purchase process. Based on up-to-date debtor data as well as debt collection information from the CRIF Group data universe and other data sources from leading debt collection agencies, you decide which payment option to offer your customers. CRIF provides ConCheck for information on consumers in Germany, Austria and Switzerland.

If information on whether CRIF knows of any negative events concerning a private individual is all you need, then NegativeCheck is the right choice for you. With NegativeCheck, you can learn whether CRIF is aware of any current negative events concerning the individual you are enquiring about.

Qualified credit assessments require a variety of meaningful and up-to-date information. CRIF has been collecting and updating data on the solvency of German consumers in its database for decades. To this end, we research information for you from various publicly accessible sources in Germany. This is supplemented by payment histories from various economic sectors and debt collection data from leading German debt collection companies. Today, our database contains creditworthiness-relevant information on more than 62 million private individuals in Germany.

Every risk is different – we have a product that fits.

ConCheck & ConCheck + Ident

The ConCheck products offer you a differentiated decision-making basis for consumers. ConCheck links diverse sources of information and supports credit and delivery decisions in real time. You receive a decision-making aid to determine payment and delivery modalities. Red, yellow or green – the ConCheck traffic light system and score give you information about the risk of non-payment by private individuals. CRIF provides information on hard, medium and/or soft negative events concerning the respective individual. As standard practice, CRIF also checks the address data against the information in its own database, compares the entered address and, where necessary, corrects and completes it. The ConCheck + Ident product offers an additional address check based on external data. All ConCheck products provide detailed information on negative events, the data of the competent court and the reference number.

NegativeCheck & NegativeCheck Hard

NegativeCheck Hard provides you with the following indicators for domestic private individuals: failure to disclose assets, satisfaction of creditors’ claims unenforceable and satisfaction of creditors’ claims not proven (in each case in accordance with the German Code of Civil Procedure (Zivilprozessordnung – ZPO) or the German Fiscal Code (Absatzordnung – AO)) as well as private insolvencies. The NegativeCheck product variant additionally takes into account current debt collection information with soft and medium negative events.

ConCheck AT & ConCheck CH

In addition to information on consumers in Germany, we also provide information on consumers in Austria and Switzerland. By analogy with ConCheck, for addresses from these countries you will also receive address validation and an identification check based on the address databases of the CRIF national companies, as well as information on currently known negative events. A selective score provides you with information about the respective payment default risk.


Would you like to find out more about b.ONE? Click here for more information.

Fill out the contact form to receive more information about the product. We will get back to you as soon as possible.

For further information about our services you can contact us via our online contact form. As a result of your registration, your details will be stored in our Customer Relationship Management System ("CRM System") and forwarded internally for further processing. The personal data that you provide us with in the context of this contact request will only be used to answer your enquiry or contact you and for the associated technical administration.

The legal basis for data processing here is Article 6 paragraph 1 sentence 1 lit. a DSGVO (consent) or Article 6 paragraph 1S. 1 lit. b DSGVO (implementation of pre-contractual measures). Requests are deleted after two years at the latest. Statutory retention periods shall be observed accordingly.

Here you will find the data protection privacy statement of CRIF GmbH.