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Jak wyczyścić BIK? Skuteczne sposoby.

Title: Effective Ways to Clean Your Credit History: Can BIK (Credit Information Bureau) Be Cleared?

Introduction:

“Can you clean your credit history? If you haven’t subscribed to this channel yet, do it now. Hello, my name is Marcin Kokoszka, and welcome to my channel. Today, I will answer the question of whether it is possible to clean your credit history, specifically BIK and BIGi. I will also explain their differences and how many BIGs exist. Furthermore, I will provide effective methods to achieve this. Let’s start with BIK.

In Poland, there is one BIK – Credit Information Bureau, where all our credit obligations are recorded. Both the good and the bad ones. The ones we repay. If we repay a certain credit, we earn points and receive recognition as reliable individuals who fulfill their obligations. This information is then accessed by other banks when considering granting us a loan. They evaluate us and say, “Okay, you already have a loan, but you are repaying it positively, so everything is fine, and we can give you another one.” However, if we fail to repay something, the bank receives information that we already have a loan and aren’t repaying it, signaling a potential problem. This could be one of the most common reasons for loan rejection. Thus, our credit history is built. Now, the question is, can we clean this BIK? Yes, it is possible, but certain conditions must be met.

The first condition is that everything must be fully repaid. Today, the entire credit obligation, not just the overdue installments, must be settled. That’s because we are not removing specific entries but rather the entire history of a particular loan. Another important factor is that if we had a delay of more than 60 days and the bank informed us about it, the bank has the right not to remove it. It could remain there. However, the bank must provide evidence of having informed us about it. This is not always the case. In our experience, even in situations where issues were escalated to debt collectors, it was still possible to clean the BIK. Hence, here is the information on what needs to be done.

A specific letter must be sent. In the book we published as EMEDIATOR – “Guide to BIK and BIGs,” we have included templates for such letters and detailed explanations of how BIK and BIGs function. It contains substantial information for those who want to learn and understand why everything works this way. I recommend reading it

1. “Is it Possible to Clean Up Your Credit History? Insights from the YouTube Video ‘Jak wyczyścić BIK? Skuteczne sposoby.'”

In the YouTube video ‘Jak wyczyścić BIK? Skuteczne sposoby’, Marcin Kokoszka addresses the question of whether it is possible to clean up your credit history. He explains that the BIK (Biuro Informacji Kredytowej) is the main credit bureau in Poland, where all of our credit obligations are recorded, both the good and the bad ones. When we repay a loan, we earn points and become recognized as reliable individuals who fulfill their obligations. This information is important for other banks when considering whether to grant us credit. On the other hand, if we fail to repay a loan, the bank receives a negative report, indicating that we are at risk of defaulting. This negative report can become a common reason for credit denial. Therefore, our credit history is formed based on our repayment behavior. The question then arises: can we clean up such a BIK record? The answer is yes, but there are conditions that need to be met.

The first condition is that everything must be fully repaid. This includes not only overdue installments but also the entire debt. This is because what we remove is not just a specific entry, but the entire history of that particular loan. Another condition is that if we had a delay of more than 60 days and the bank informed us about it, they have the right to retain that record. However, the bank would need to prove that they did inform us about the delinquency, which is not always the case. Therefore, based on Marcin’s experience, even in situations where the case has already been referred to a bailiff, it is still possible to clean up the BIK record to some extent. The video provides specific instructions on how to proceed, including sending a specific letter. Furthermore, Marcin recommends his book ‘Przewodnik po BIKu i BIGach’ (‘Guide to BIK and BIGs’) for more detailed information on how BIK and BIGs function and how to navigate through the process of clearing your credit history. As for the BIGs (Biuro Informacji Gospodarczej), there are currently six in Poland, with the most popular ones being Infomonitor, KRD, and ERIF. These bureaus also hold information about individuals or companies who have failed

2. “Understanding BIK and BIG: How They Differ and How to Clean Up Your Credit Record”

In Poland, there are two major credit reporting agencies – BIK (Biuro Informacji Kredytowej) and BIG (Biuro Informacji Gospodarczej). BIK is responsible for recording all of our credit obligations, both good and bad. If we repay our loans on time, we earn points and establish ourselves as reliable borrowers. This information is then used by other banks when considering whether to grant us a loan. However, if we fail to make payments, the bank is notified and it may become difficult for us to secure credit. So, can BIK be cleaned? Yes, it is possible, but there are some conditions that must be met.

Firstly, all obligations must be fully repaid. This includes not only overdue installments but the entire debt associated with the credit line. When attempting to clean up our credit record, we are not targeting specific entries but rather the entire credit history. Additionally, if there have been delays of more than 60 days in payment and the bank has notified us about it, they legally have the right to keep that information on our records. However, in some cases, it may be possible to clear our BIK history even if legal procedures, such as those involving a bailiff, have been initiated. In such cases, specific actions need to be taken, including sending a formal letter. Detailed instructions and template letters can be found in the book published by EMEDIATOR called “Przewodnik po BIKu i BIGach” (Guide to BIK and BIG), which provides comprehensive information about these agencies and their functions.

In addition to BIK, there are six BIGs (Biuro Informacji Gospodarczej) in Poland, the most popular being Infomonitor, KRD, and ERIF. These agencies contain information about individuals or companies who have not fulfilled their financial obligations. Just like with BIK, it is possible to remove negative entries from our records as long as the debt has been fully repaid. Unlike BIK, there is no requirement for delays in payment to be limited to 60 days. If the debt is settled, the negative information can be erased. Therefore, if you need to clean up your credit record with these BIGs, similar actions can be taken.

3. “Effective Steps to Improve Your Credit Score: A Guide Based on the Video ‘Jak wyczyścić BIK? Skuteczne sposoby.'”

In the video ‘Jak wyczyścić BIK? Skuteczne sposoby’, Marcin Kokoszka explains whether it is possible to improve one’s BIK (Biuro Informacji Kredytowej) and BIGi (Biuro Informacji Gospodarczej) scores. BIK is the sole credit bureau in Poland where all our credit obligations are recorded, whether they are good or bad. If we repay a loan, we receive points and are seen as reliable individuals who fulfill their obligations. This information is crucial for other banks when considering granting us another loan. However, if we fail to repay a loan, the bank is informed and this may hinder our ability to obtain credit in the future. So, is it possible to clean up your BIK? It is, but there are certain conditions that need to be met.

First and foremost, all obligations must be fully repaid, including any outstanding installments. This is because what is removed is not a specific entry, but the entire history of the particular loan. Another condition is that if we had a delay of over 60 days and the bank informed us about it, the bank has the right to choose not to remove this information. In such cases, the bank would need to prove that it had indeed informed us, which is not always the case. Therefore, even situations where matters have escalated to the level of a bailiff’s involvement can potentially be resolved and the BIK cleared. To initiate this process, it is necessary to send a specific letter. If you are interested in learning more about how BIK and BIGi function and want to explore different templates for writing such letters, Marcin Kokoszka recommends his book, ‘Przewodnik po BIKu i BIGach’, published by EMEDIATOR.

Turning our attention to BIGi, there are currently six credit bureaus operating in Poland. The most popular ones are Infomonitor, KRD, and ERIF, which hold substantial information about individuals or businesses that have failed to meet their financial obligations. Similar to BIK, in order to clean up the negative entry, the obligation must be fully repaid. However, unlike BIK, there is no limitation regarding delays exceeding 60 days. If the debt is repaid, the negative entry can be removed.

4. “Clearing Up Misconceptions About BIK and BIG: Learn How to Remove Negative Credit History Entries

In Poland, there is one credit bureau called Biuro Informacji Kredytowej (BIK), where all our credit obligations are recorded, both the good and the bad ones. If we repay a loan, we earn points and receive information stating that we are responsible individuals who fulfill their obligations. This information is used by other banks when deciding whether to grant us a loan. They check our credit history and if we have a positive repayment record, they are more likely to approve our application. However, if we fail to repay a loan, the bank receives information that we have a credit obligation that is not being fulfilled, which can be a common reason for loan rejection. So, how can we clear our BIK record? It is possible, but there are a few conditions that need to be met.

The first condition is that all obligations must be fully repaid. This means that not only the overdue installments, but the entire loan must be paid off. This is because what we are removing is not a specific entry, but the entire history of that particular loan. Another important condition is that if we had a delay of more than 60 days and the bank informed us about it, they have the right to keep that information. However, they would need to provide evidence that they did inform us, and this is not always the case. Therefore, based on our experience, even in situations where the case has been referred to a bailiff, it has been possible to clear the BIK record. Therefore, the key is to send a specific letter. In our book, “Przewodnik po BIKu i BIGach” (Guide to BIK and BIG), which we published as EMEDIATOR, there are templates for such letters and a detailed explanation of how BIK and BIG bureaus work. It contains a lot of information for those who want to learn about the functioning of these bureaus and why things work the way they do. Regarding BIG bureaus, there are currently six in Poland, the most popular being Infomonitor, KRD, and ERIF. These bureaus contain the most information about individuals and companies that have not repaid their obligations. Clearing negative entries in BIG bureaus also requires that the obligation be fully repaid. However, there is no limitation of 60 days for late payments in this case. If the obligation is repaid, you can have the negative

In conclusion, the video discussed the topic of cleaning BIK and effective methods to do so. The speaker explained the difference between BIK and BIGi and how they impact our credit history. BIK, which stands for Biuro Informacji Kredytowej, is the main credit bureau in Poland where all our credit obligations are recorded. It contains both positive and negative information, such as unpaid debts and successful repayments. Other banks use this information to assess our creditworthiness when considering loan applications. It is possible to clean or improve our BIK, but certain conditions need to be met. Firstly, all the debts must be fully repaid, not just outstanding installments. What is removed is not a specific entry but the entire credit history associated with that particular loan. Additionally, if there were delays of over 60 days, the bank is not obligated to erase those records unless they can prove that they notified the client about it. However, there have been cases where even situations involving legal action were successfully cleaned from BIK, as explained in the speaker’s own experience. Sending a specific letter is one of the steps that can be taken, and detailed instructions can be found in the book “Przewodnik po BIKu i BIGach” by EMEDIATOR. The speaker also briefly mentioned BIGi, which are a set of 6 credit bureaus in Poland known as Biuro Informacji Gospodarczej. The most popular ones include Infomonitor, KRD, and ERIF. These bureaus primarily hold negative information about individuals or companies with unpaid debts, and it is also possible to have these entries removed once the debts have been fully repaid. Overall, understanding the intricacies of BIK and BIGi is essential for anyone looking to improve their credit history, and additional information can be found in the recommended book for those interested in learning more about the topic.

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