How to clear the history in the Entrepreneur’s BIK?

Entrepreneurs sometimes have loans that turn out to be much more difficult to repay than they first appeared – for a wide variety of reasons. If there has been a delay in repayment, the traces of the payment problems are likely to remain in the BIK – and for years to come. Companies that advise on how to clear the BIK know this, and even claim to know how to remove queries from the BIK. In reality, this ‘service’, which is often valued at several hundred zlotys, has no chance of success and there is no hope of a refund. However, the answer to the question posed in the title of the article is not as clear-cut as it might seem after reading the introduction. So: how do you clear your BIK history, if at all possible?
Table of contents:

In only three cases


Data that can be removed from the BIK

Important!

Information about a loan obligation that has not been paid on time can be stored and processed by the BIK even without the borrower’s consent.

This means that in the course of repaying a loan, the BIK can process data on the obligation, and share it with banks and other financial institutions at their request regardless of whether the borrower has given his or her consent.

Correction of false information


Important!

Removal of information about problematic credit


Important!

How to draft a request for deletion from the BIK?


Application for correction of data in BIK – the most important information


The application for correction of data in the BIK will contain similar information as the application for deletion from the BIK – with the difference that the applicant should title it accordingly. The content of the application should also indicate those data that, in the opinion of the entrepreneur, do not agree with the facts.

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