p> Many people who fall victim to a spiral of debt lose control over their finances. A home budget is a fleeting dream, not to mention an emergency fund created just for such a circumstance. You also know that over half of Poles are unable to finance an unexpected expense of 1 thousand. That’s why it’s time to start figuring out, in this wiser part of society! It’s not just about saving – because before you do it you must take a heroic fight with financial agony! Six databases will help you , thanks to which you can easily check existing arrears!
A financial carousel is nothing good!
In most Polish homes – money is a difficult subject and a “sensitive” point rarely undertaken during family discussions. And savings alone is a condition that affects only a few … Therefore, if you want to change your life for the better, in the first step deal with the “old demons”. Starting a new stage with a “clean” card in the calendar can also be one of the provisions for the upcoming New Year. How to start it?
There are six bases in Poland that you can find in case of troubles with repayment of debt. These are: Credit Information Bureau , Krajowy Rejestr Długów , BIG ” InfoMonitor ” , ERIF , Domestic Information on Telecommunications Debts and the National Register of Insolvent Debtors . Thanks to registration in individual platforms, you can check whether you have a solvency problem and whether no one else uses your data to make false commitments!
First of all, the Credit Information Bureau!
The first place you should look at is BIK, or Credit Information Bureau . It is one of the key databases in which each person – not only the debtor, can check the credit history and scoring. It receives both positive information – thus, timely and negative liabilities – that is, debts in all forms … They can be unpaid cash loans and maintenance, installments for a mortgage, purchases of securities, debit on a credit card, as well as overdue bills whether loans are guaranteed.
Thus, the Credit Information Bureau is not only a register containing a “black list of debtors”. All people who have all their debts in banks, loan companies and credit unions get to it!
To access the database – it is necessary to register on the BIK home page and setting up a customer profile, confirmed by a proof of ID scan or a registered letter. You can read more about BIK under the link . You have the following account types to choose from:
- Standard Account – allows you to download the BIK report free of charge, once every 6 months. You can download it by clicking “Settings”, option “data copy”. The downloaded document contains all information that financial institutions have provided BIK about you,
- Account without a Package – allows you to download a report once, which in addition to basic information about the borrower has BIK alerts, the ability to claim ID, in the event of its loss and BIK Pass service, which presents your financial credibility to business partners. Such a one-off package costs PLN 39,
- Account with the package – it costs PLN 99, but for 12 months you have a comfortable access to all the services offered by the base. The premium package allows you to generate 12 full BIK reports a year, use the BIK alert option, BIK indicator, reserve documents and loan reservations. Thanks to this, you are constantly monitoring your own liabilities as well as guaranteed loans.
Do not forget!
Remember also that the creditor can enter the debtor on the BIK list no earlier than 60 days with default (30 days before the intended entry is required to notify the client)! In that case, is having a BIK account useful? Of course! Regardless of which package you use, checking your own credit history shows how the bank perceives you – even before applying for a loan / loan.
What’s important – no private person has the right to check your credit history! Access to information is only available to banking and loan institutions and credit unions , and to whom you have agreed to access personal information. The only thing you have the right to look into the financial obligations of contractors.
Second, the National Debt Register
The KRD, which collects all information on the indebtedness of individuals and entrepreneurs, is another base you should learn about. Established in 2003, and its operation is regulated by the Act on Provision of Economic Information and Exchange of Economic Data and the Act on the Protection of Personal Data.
Who goes to the list of debtors in KRD? Private individuals o arrears in repayments higher than PLN 200 and PLN 500 among entrepreneurs. Interestingly, many people do not realize that their financial obligations can be seen in any database. Therefore, a quick registration on the KRD homepage will help resolve this conflict. Similarly as in the case of establishing a customer profile at BIK, in the course of correct authorization, it will be necessary to send a scan of identity card. You have at your disposal:
- Minimum Account – with a free option to download the report once every six months. This option, however, does not allow you to monitor your KRD queries on a current basis or to check entries that appear on your topic. For the more frequent desire to look into the document you will also have to pay PLN 6.90,
- Individual Account – guarantees unlimited access to the database! As part of the paid package – PLN 13 a month, you have the right to control entries and inquiries about you, as well as order full reports more often than once every six months. Interestingly, it enables the monitoring of three selected companies.
In the KRD, as in other databases, there is no way to look at the financial obligations of other private persons. The only thing you can do is check the debts of entrepreneurs. In that case, can anyone make an entry in the KRD? Not necessarily – only the institutions with evidence have the right to do so, for the untimely nature of your obligations!
Thirdly, the Economic Information Bureau “InfoMonitor”
The third information office is BIG “InfoMonitor”, whose functionality is similar to previous databases. It is an institution that collects, stores and makes available data about overdue debts of individuals and entrepreneurs. What’s more, it is the only platform that has access to information collected by BIK and the Polish Bank Association.
What can you get to BIG “InfoMonitor”? Entry in the register can be made by banks, loan companies, entrepreneurs, state institutions, and even individual clients (!) For problems:
- In repayment of a loan / loan on time
- Unpaid bills
- Overdue fines or remuneration from the employer
- Debt in bills, for example for electricity, gas, water or waste disposal
Of course, provided that:
- Your debt is at least PLN 200,
- Late payment is longer than 30 days,
- The creditor, at least 14 days before making it, informed you about the intention to enter,
Importantly, making an entry is not so easy. Anyone willing to cooperate with the base, is forced to sign a contract defining the scope of services provided. However, when you need to check only the information appearing in the registry – all you need is a quick online registration.
What do you have to do? Go to the BIG “InfoMonitor” home page and set up an account completed with personal data. Similarly to the previous registers – the system will ask you to scan the ID card that you upload directly to the client’s private panel. Thanks to this, you can be sure that confidential information will not fall into the wrong hands. After successfully passing verification, you can download a free report once a half a year on your financial obligations. For each subsequent document you will have to pay a fee of PLN 6.50.
ERIF, or the Economic Information Bureau, is another organization that has all the data on financial liabilities of private persons and entrepreneurs on its account. Each of these groups can easily download reports about themselves, but also add debtors to the database.
This register has two key roles: preventive and debt collection. This means that it helps to monitor and verify the credibility of specific entities. What’s more, it collects not only debt, but also timely repayment of receivables.
How to check a person in ERIF? If you want to check your finances yourself, just register on the home page ERIF and similarly to previous databases you have to go through thorough verification. Every person has free access to such information once every six months. For more frequent checking of your status you need to pay PLN 3 fee. You can also buy a full package, in the form of an annual subscription for PLN 12. With this option, you will always receive notifications about entries and updates about yourself. And most importantly, you will save yourself from the potential loss of identity!
Fifth – National Information on Telecommunications Debts !
KIDT is the youngest and at the same time the least known database of debtors to which individuals are entered, as well as business entities with debts, in the form of unpaid telecommunications bills.
How to check your liabilities? In order to check the KIDT report it is necessary to register on the database page, where after initial verification of the account it will be possible to download a free report on the debt once every six months. Can you delete such an entry? Of course! All you have to do is settle your debt. Within 14 days, the creditor will be obliged to remove the outdated financial information.
Sixth, the National Register of Insolvent Debtors!
KRDN is a mysterious database of debtors, to which only a few people look. And this is a mistake! It is an organization belonging to the National Court Register, and thus is not a private database of debtors, such as BIK or KRD. Initially, it focused only on entrepreneurs who lost their financial liquidity – after a time, however, debtors were attached to it maintenance, having unregulated maintenance, over 6 months. To check in the system it is enough to log in to the KRDN homepage and enter your personal data. However, unlike previous databases, this is a paid proposal. For each verification of the debtor, it is necessary to pay the fee specified on the website.
Who can add negative entries to the platform? It is carried out only by courts, at the request of the creditor directed against a natural person (after 30 days from not making a specified payment).
Is it worth checking your debt? Yes, necessarily!
Knowledge of registers Debtors are undoubtedly a big asset, not only for entrepreneurs! Having knowledge about your finances and greater awareness in this direction is a good forecast for the future. In the end, it shapes not only self-control but also influences the better organization of the household budget . Such a free source of information should be for everyone a reason to change and improve the image in the eyes of lenders!