Guide to obtaining a debt analysis from banks and financial institutions

Instructions for quickly and easily requesting a debt analysis of an individual from banks and financial institutions.
This guide contains all the information you need to obtain a complete reconstruction of the debts and financial exposures of an individual or legal entity.

A debt analysis is an official document that summarizes a person's debt position with banks, financial intermediaries, or consumer credit companies.

It contains information on active or repaid mortgages and personal loans, lines of credit and payment cards, installment plans, financing and leasing , outstanding amounts, due dates and interest rates , and any reports in credit databases (CRIF, Experian, CTC, Central Risk).

The document is essential in the event of succession or division of assets.

See below for the guide to requesting a debt analysis online from banks and financial institutions through the Agenzia delle Successioni.

How to request a debt analysis online?

With Agenzia delle Successioni, you can request and receive your debt analysis completely online, without having to contact credit institutions directly.

The service is intended for heirs who require a clear and documented overview of an individual's financial exposure, whether deceased or alive.

To complete the request, simply:

1. Download the forms available at the bottom of the page (Delegation and Privacy Policy).
2. Fill them out and sign them, specifying “ Debt analysis at banks and financial institutions ” as the type of document required.
3. Send the documentation to the email address segreteria@agenziadellesuccessioni.it , attaching:
• copy of the interested party's identity document and tax code;

Once the request has been received, the Agenzia delle Successioni will carry out checks using official credit databases and contact the institutions involved to reconstruct the overall debt position, then providing a personalized and certified report .

By relying on the Agenzia delle Successioni, you can obtain a complete, transparent, and up-to-date overview of an individual's debt situation, useful for inheritance, tax, or legal procedures.

The main advantages:

1. No need to request information from each bank or financial institution individually
2. Saving time and reducing management costs
3. Detailed analysis verified by official sources

Who issues the debt analysis?

The debt analysis is drawn up on the basis of data collected from the banks and financial companies with which the individual has active or expired relationships, the credit information systems (SIC) , such as CRIF, Experian, CTC, the Central Credit Register of the Bank of Italy, the Revenue Agency – Register of Financial Relationships.

The Agenzia delle Successioni, upon formal delegation , can request and aggregate this information, providing an official debt analysis report , complete with every detail useful for the reconstruction of the assets and the possible closure of residual debts.

What is the purpose of debt analysis at banks and financial institutions?

Debt analysis at banks and financial institutions is useful in various circumstances, including declaring succession and determining inheritance liabilities, verifying debts before accepting an inheritance, and preparing balance sheets or estate inventories.

The document allows you to accurately understand your overall debt situation and prevent economic or legal risks, representing an essential tool for transparent asset management.

In addition to debt analysis at banks and financial institutions, the Agenzia delle Successioni deals with finding and providing bank balances and current accounts, land registry searches and deeds of provenance, registry and civil status certificates and inheritance declarations and land registry transfers .

All documents can be requested witha single delegation, in a simple, secure and compliant, with complete digital management from request to delivery.

Click here, instead, to find out about your bank balance and current accounts.