Credit Information Bureau – what news can be found there

It should be emphasized that banks assessing the creditworthiness of a particular client willingly use the information contained in BIK . Why? What exactly is there? Why do people check from time to time what is contained about them? If you are interested in answering these questions, then it’s really worth reading today’s post.

 

What to do to get a loan

What to do to get a loan

It’s not just about choosing a good bank and specific financial products that you like because of the financial conditions. Remember that the representatives of this institution must still accept your application. Therefore, they assess creditworthiness. This parameter is affected, among others, by credit history, which is located in BIK . It should be emphasized that we distinguish three different options in general. History can be positive, neutral and also negative. If someone had loans, but repaid them regularly, they have it clean in their papers. Similarly, if he currently has some obligations, but he regulates everything diligently. People who have not used loans, short-term loans or installment purchases have a neutral credit history. The worst perceived are people who in the past had various financial obligations and often did not pay their installments on time. I don’t think anyone needs convincing that in such a situation banks are very distrustful towards a specific person of this type. They suppose that this situation may happen again. It is certainly important to emphasize that news on various financial products is not only provided by banks. It is also worth mentioning the so-called Cooperative Savings and Credit Unions or non-bank institutions that provide payday loans.

 

Credit Information Bureau – what news can be found there

Credit Information Bureau - what news can be found there

It is worth knowing that access to BIK is not only available to banks that assess a particular client in terms of his creditworthiness. It should be emphasized that gray Kowalski also has the opportunity to get knowledge about his credit history. It should be emphasized that it is really worth doing. Not only to find out what information is presented to, for example, banks, etc. In addition, you can instantly verify messages that, for example, do not correspond to the facts. This can also happen. People who do not check BIK themselves may be unaware of this. Banks, on the other hand, suggest such data and often do not grant specific loans. There is no denying that this is also a chance to check for history of loans that do not apply to you at all. Unfortunately, sometimes it happens that someone lost their ID card. If a cheater found him, then … this could be a disadvantage.

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