BIK is the Credit Information Office. In fact, it is an institution or rather a register of all people who have or have had a credit obligation. If someone takes a loan, loan or buys something in installments, then he goes to BIK. This is done automatically and helps banks know who has what load. However, it is not the burden itself that interests them, but whether these obligations are repaid. If we pay off debts, no one will admit us because banks are not interested in so many installments, only the fact whether there are no arrears in repayments.
First of all, this is information for the bank that such a person is completely unreliable and certainly no bank will give credit or any installments. BIK is information that banks do not grant credit to someone who, despite their considerable creditworthiness, does not pay any liabilities.
Many people think that if they are not at BIK, they will get a loan faster because they do not have any burdens. Nothing could be more wrong. For the bank, this means that the person has not been checked by anyone and is more unreliable than someone, he does not always pay the installments on time. The consequences of such BIK avoidance are often unpleasant for us, because if necessary, when a loan is needed very much, no bank will help, because it does not know whether we will pay the installments. Therefore, if we are able to buy something in installments or take a loan, it is worth using it and building your own credit history. It is worth knowing that non-bank loans do not count towards BIK. Only debt in banks counts or installment, which is also provided by banks.