Credit History

Build a strong credit history

Credit history is one of the aspects that affect the cost of your credit. It is a record of how you have repaid credit obligations in the past, including information on whether the payments were made on time and regularly.

Before you are granted a loan, the lender will check your credit history at:

DATA PROCESSING AT BIURO INFORMACJI KREDYTOWEJ S.A. (“BIK”), THE BANK REGISTER SYSTEM, THE NATIONAL DEBT REGISTER OF BIURO INFORMACJI GOSPODARCZEJ S.A.

In order to correct the data, the Customer is required to submit an instruction concerning the processing of data in the aforesaid registers.

An instruction concerning the correction of data at BIK/Bank Register/National Debt Register may be filed using the form presented below.

The completed request bearing a handwritten signature, consistent with the specimen submitted to the Bank, must be sent to the following address: Bank Handlowy w Warszawie S.A., Ul. Goleszowska 6, 01-260 Warszawa

TIPS ON HOW TO BUILD A POSITIVE CREDIT HISTORY

  • Pay at least the minimum payment due on time, every month.
  • Don’t overextend yourself. The fewer accounts you have open –whether they are loans or credit cards – the better.
  • Don’t spend income now that you hope to make later.
  • Notify creditors when you move so that bills arrive on time.
  • Set up a standing order for your loan. You will be a 100% sure that your next payment will be made on time.
  • Use the online banking platform regularly. Monitor your finances using transaction lists and online statements.

Frequently asked questions