The credit bureau stores the data on debts and loans, but also on early repayments. How long data will last and how you can use the directory for yourself.
If you get into debt, you get an entry in the file. This allows future lenders to determine whether you are already in debt and if you are repaying on time. If the debtor pays his installments too late or not at all, the loan is terminated or even legal action has to be taken, there are so-called negative entries.