Ribs
Ribers is a debt register, a register of bad payers.
The name Ribers is today abbreviated as RKI (Ribers Credit Information) - and is owned and operated by the company Experian.
With Ribers, or RKI, you can use the service to credit score new and existing customers - creating an overview of your customers' financial situation.
What are the consequences of Ribers?
If you are a debtor and are listed in Ribers / RKI, it can have major consequences for you - both as a private individual or company.
An increasing number of companies, including telecom, data and utilities, are choosing to credit score their customers - with the help of Ribers.
And if you are listed in Ribers, this will often have negative consequences for you as a customer. For example, it can result in the company not wanting you as a customer - to the company demanding cash payment instead of granting you credit.
You will also find it difficult to take out a loan from a bank, for example, if you have a record in Ribers.
How do I get out of Ribers?
You can get out of Ribers / RKI by paying your debt. Once the payment is made, the creditor, or the creditor's debt collection company / debt collection lawyer, will request Ribers / RKI to delete your registration.
Your registration in Ribers is valid for 5 years, after which you will be deleted. However, you should be aware that the debt does not disappear when you are deleted from Ribers.
Am I in Ribers?
As a debt collection company, we often get the question "Am I in RKI" or "Am I in Ribers" - but you can actually find out for yourself.
Experian has created the service www.dininfo.dk where you can see if you are listed in RKI / Ribers.
How many are listed in Ribers?
The number of people and companies registered in Ribers fluctuates from year to year - and is often highly dependent on other economic trends in society; employment, inflation, etc.
At the end of June 2023, there were 173,007 registered with Ribers - with a total debt of £9.1 billion (Source: Experian) This gives an average debt per registrant of £52,599.
We have our own credit platform for credit checks
At Collectia, we help our customers assess new and prospective customers every day by providing credit information.
We have developed the Qatchr service - helping small and large businesses gain insight into their financial situation.
Qatchr pulls in a wide range of data on your customers - including credit checks, ownership, address, etc.
