Code of Conduct came into force in 2005 introduced new rules on credit reporting systems with a differentiation of the severity of events and, consequently, the time periods of storage of information, news about payments not being met, but later regularized, they can be stored for one year late, but two installments or as many months, if the excess timing of payments is more than double the years of the database. In the case of debtors who do not regularize the data remains in the database for 3 years from the expiry of the contract or at any later date that has left the relationship. Il debitore prima di essere inserito in banca dati deve comunque essere avvisato; agli archivi elettronici non possono accedere le società di recupero crediti, e le società di marketing o di vendita diretta di tali prodotti.
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