{"id":470,"date":"2026-04-24T00:00:00","date_gmt":"2026-04-23T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2016\/11\/24\/le-fichier-lie-aux-credits-et-au-surendettement-le-ficp\/"},"modified":"2026-08-24T14:35:09","modified_gmt":"2026-08-24T12:35:09","slug":"le-fichier-lie-aux-credits-et-au-surendettement-le-ficp","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-fichier-lie-aux-credits-et-au-surendettement-le-ficp\/","title":{"rendered":"Le fichier li\u00e9 aux cr\u00e9dits et au surendettement : le FICP"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le FICP - Fichier des Incidents de remboursement des cr\u00e9dits recense les incidents de remboursement des cr\u00e9dits accord\u00e9s aux particuliers pour des besoins non professionnels (y compris en cas de d\u00e9couvert) et les mesures prises dans le cadre d'une proc\u00e9dure de surendettement (plan de redressement, etc.). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour acc\u00e9der \u00e0 vos informations, rendez-vous \u00e0 la succursale de la Banque de France la plus proche de votre domicile ou adressez-lui une lettre simple avec la photocopie d'une pi\u00e8ce d'identit\u00e9 officielle portant votre signature.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un fichier d'appr\u00e9ciation et non d'interdiction<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il permet \u00e0 votre banque et \u00e0 tous les \u00e9tablissements de cr\u00e9dit et de paiement d'appr\u00e9cier :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en partie votre solvabilit\u00e9 quand vous sollicitez un cr\u00e9dit (ce n'est pas le seul crit\u00e8re). L'inscription au fichier n'emporte pas interdiction de d\u00e9livrer un cr\u00e9dit?<\/li><li>la gestion des risques des cr\u00e9dits d\u00e9j\u00e0 souscrits,<\/li><li>la possibilit\u00e9 de vous donner certains moyens de paiement.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A noter : La consultation du FICP n'intervient pas uniquement lors de la souscription d'un cr\u00e9dit. Elle peut \u00e9galement \u00eatre r\u00e9alis\u00e9e lorsqu'un \u00e9tablissement examine une augmentation significative du montant total d'un cr\u00e9dit d\u00e9j\u00e0 accord\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Les cas d'inscription<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez \u00eatre inscrit au FICP :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d\u00e8s que vous n'avez pas pay\u00e9 deux mensualit\u00e9s cons\u00e9cutives de votre cr\u00e9dit, ou si le montant de l'\u00e9ch\u00e9ance (non mensuelle) demeure impay\u00e9 pendant plus de 60 jours,<\/li><li>en cas de d\u00e9faut de paiement d'une somme exigible (avec mise en demeure) depuis plus de 60 jours et au moins \u00e9gale \u00e0 500 euros (cr\u00e9dit sans \u00e9ch\u00e9ance \u00e9chelonn\u00e9e, par exemple un d\u00e9couvert),<\/li><li>si vous \u00eates poursuivi en justice pour d\u00e9faut de paiement (tous types de cr\u00e9dits),<\/li><li>d\u00e8s le d\u00e9p\u00f4t d'un dossier de surendettement.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e8s que l'incident est constat\u00e9, l'\u00e9tablissement de cr\u00e9dit vous informe qu'il sera d\u00e9clar\u00e9 \u00e0 la Banque de France \u00e0 l'issue d'un d\u00e9lai de 30 jours calendaires. Pendant ce d\u00e9lai, vous pouvez r\u00e9gulariser ou contester l'incident s'il y a lieu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A d\u00e9faut, l'\u00e9tablissement vous informe que l'incident de paiement est d\u00e9clarable et dans les 4 jours ouvr\u00e9s, demande l'inscription de l'incident \u00e0 la Banque de France.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L'inscription dure 5 ou 7 ans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La dur\u00e9e d'inscription est de 5 ans :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en cas d'incident de remboursement,<\/li><li>\u00e0 compter du jugement de cl\u00f4ture, en cas de proc\u00e9dure de r\u00e9tablissement personnel avec liquidation judiciaire<\/li><li>\u00e0 compter de l'homologation par le juge de la recommandation de la commission, en cas de proc\u00e9dure de r\u00e9tablissement personnel sans liquidation judiciaire.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis le 1er juillet 2016, elle est de 7 ans maximum (8 ans auparavant) en cas de signature d'un plan conventionnel de redressement. Cette dur\u00e9e peut \u00eatre r\u00e9duite \u00e0 5 ans si le plan est respect\u00e9 sans incident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment en sortir ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9gulariser un incident de remboursement, vous pouvez rembourser \u00e0 tout moment les sommes que vous devez (le montant du retard de paiement ou tout le cr\u00e9dit en cas de d\u00e9ch\u00e9ance du terme). L'\u00e9tablissement qui a d\u00e9clar\u00e9 l'incident signalera alors \u00e0 la Banque de France la r\u00e9gularisation de l'incident. Si celui-ci est le seul motif de votre inscription au FICP, vous cessez d'y \u00eatre inscrit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre du surendettement, vous pouvez sortir du FICP par anticipation en r\u00e9glant toutes les sommes que vous devez \u00e0 vos cr\u00e9anciers. Ceux-ci vous fourniront une attestation de paiement \u00e0 remettre \u00e0 la Banque de France pour qu'elle supprime votre inscription.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir :<\/strong> Pour contester votre inscription, rapprochez-vous de la banque ou \u00e9tablissement de cr\u00e9dit qui a d\u00e9clar\u00e9 l'incident pour lui demander votre radiation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.banque-france.fr\/fr\/a-votre-service\/particuliers\/fichiers-incident-bancaire\/fichier-incidents-remboursement-credits\">Le FICP sur le site de la Banque de France<\/a><\/li><li><a href=\"https:\/\/www.cnil.fr\/fr\/fichiers-dincidents-bancaires-la-cnil-vous-informe-et-vous-accompagne-dans-vos-demarches\" target=\"_blank\" rel=\"noreferrer noopener\">Le site de la CNIL<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006069565\">Legifrance - Le FICP aux art. L751-1 et s. C. conso.<\/a> <\/li><li>Legifrance : <a href=\"https:\/\/www.legifrance.gouv.fr\/eli\/arrete\/2026\/8\/11\/ECOT2609391A\/jo\/texte\" target=\"_blank\" rel=\"noreferrer noopener\">Arr\u00eat\u00e9 du 11 ao\u00fbt 2026 modifiant l'arr\u00eat\u00e9 du 26 octobre 2010 relatif au fichier national des incidents de remboursement des cr\u00e9dits aux particuliers<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" 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pr\u00eat&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remboursement-pret-_BD-150x150.jpg&quot;,&quot;likes&quot;:2}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"496\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-remboursement-du-pret\/\"\n         data-title=\"Le remboursement du pr\u00eat\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet 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src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/remboursement-pret-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le contrat de cr\u00e9dit<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le remboursement du pr\u00eat<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     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0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/incident-remboursement-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/incident-remboursement-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le recouvrement contentieux du...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">L&#039;incident de remboursement<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article 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500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/budget-endettement.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le surendettement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment \u00e9viter le surendettement ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Le FICP - Fichier des Incidents de remboursement des cr\u00e9dits recense les incidents de remboursement des cr\u00e9dits accord\u00e9s aux particuliers pour des besoins non professionnels (y compris en cas de d\u00e9couvert) et les mesures prises dans le cadre d'une proc\u00e9dure de surendettement (plan de redressement, etc.). Pour acc\u00e9der \u00e0 vos informations, rendez-vous \u00e0 la succursale [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":11,"views":11627,"viewed_at":"1778494005","newsletter":"0","_yoast_wpseo_primary_category":143,"footnotes":""},"categories":[143,278,213,56,334,270,129],"tags":[],"class_list":["post-470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-banque-de-france","category-jai-des-difficultes","category-le-recouvrement-contentieux-du-credit","category-les-consequences-eventuelles","category-mes-informations-mon-compte","category-mes-moments-de-vie","category-mon-compte"],"yoast_head":"<title>Le fichier li\u00e9 aux cr\u00e9dits et au surendettement : le FICP - A la Banque de France - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-fichier-lie-aux-credits-et-au-surendettement-le-ficp\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le fichier li\u00e9 aux cr\u00e9dits et au surendettement : le FICP - A la Banque de France - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"Le FICP - Fichier des Incidents de remboursement des cr\u00e9dits recense les incidents de remboursement des cr\u00e9dits accord\u00e9s aux particuliers pour des besoins non professionnels (y compris en cas de d\u00e9couvert) et les mesures prises dans le cadre d&#039;une proc\u00e9dure de surendettement (plan de redressement, etc.). 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