BIK - information and news

About BIK

The Credit Information Office is a place where information about the history of credit and loan servicing can be found. For the customer, the most practical application is the ability to learn about their own data. The report helps to see obligations in a broader perspective, instead of relying solely on memory or documents from various institutions.

Credit history includes not only difficulties with repayment, but also information about properly handled liabilities. This ensures that BIK is not simply a list of people who are overdue. Financial institutions use data in their assessment processes, but the decision to grant a specific loan is made by the relevant lender.

The second important area are services that help respond to the possible use of other people's data. Alerts and protective solutions respond to the need to notice disturbing events earlier. Their role is different than purchasing a report to learn about history, although both functions can complement each other in everyday care of your finances.

BIK also publishes data and analyzes showing changes in the market. Information about interest in loans or repayment of liabilities describes broader economic phenomena. From the user's perspective, the brand combines personal insight into financial history with knowledge of the market in which his bank or lending company operates.