IEDOM at the service of the overseas territories of the euro zone.

Under French law, you are entitled to access – free of charge – any personal information held about you in the payment incident registers.

Listings can result from various situations :

• Cheque-related issues : bounced cheques, banking or court-imposed bans. ;
• Bank card incidents : card withdrawals following misuse. ;
• Credit issues: loan repayment delays. ;
• Over-indebtedness: submission of a debt relief application deemed admissible.

To check your status :

• Online: via the Banque de France website using your France Connect credentials.
• By post: send a written request to your local IEDOM office.
• In person: book an appointment at your local IEDOM office.

Important : always include a copy of a valid ID (front and back). This is a strictly personal process.

You will receive a list of any recorded incidents and the names of the institutions that reported them.

More information is available in our Payment Incident Registers section.
Fichiers d’incidents de paiement .

As the legal representative, you may request a meeting with an IEDOM expert who will explain the factors that led to your company’s rating.

Contact your local IEDOM office to schedule an appointment.

More information is available in our Business rating section

Delisting (‘defichage’) depends on the type of incident (e.g. bounced cheques, credit issues, card withdrawal).

You must settle your debt with the financial institution that reported the incident.

Without resolution, the listing will remain for :

• 5 years for bounced cheques and loan defaults (up to 7 years if an over-indebtedness commission is involved).
• 2 years for bank card withdrawals.

See our Payment incident Files section for more information on each case.

To exchange a damaged euro banknote, visit an IEDOM office

• If the banknote is genuine and more than 50% remains intact, you will receive an immediate replacement.
• If the banknote is severely damaged, it will require expert analysis. If it is deemed refundable, you will be reimbursed later via bank transfers.

You can find out more in the Banknote Exchange section of your local IEDOM office

If you are no longer able to meet your financial obligations, the over-indebtedness procedure may be able to help.

You can submit your file :

• Online: via the Banque de France portal using your France Connect login.
• By post: send the completed form and supporting documents to your local IEDOM office.
• In person: submit it directly at your local IEDOM office.

Find the full list of required documents and step-by-step instructions in our Over-indebtedness section Surendettement