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It turns out that a negative credit history does not necessarily interfere with getting a loan online. Below we have prepared a list of the best offers with payday loans that are currently available on the loan market. Check which companies do not check debtors’ registers!
You will find more information and offers with short-term loans in our payday loans ranking.
You need to know that online loans without verification have long been available in the loan market. This also applies to installment loans. We encourage you to analyze the table with loan offers without BIK.
Any entrepreneur who is struggling with a negative credit history can also count on getting a loan without bases! We encourage you to check our list of the best loans for companies without BIK.
If you want to learn more about loans from the table above, be sure to check the ranking of loans for companies
In the last statement we present offers with both short-term and installment loans, which can be used by borrowers with bad creditworthiness. The table contains 8 payday loans and 4 lifeguards without BIK!
The Credit Information Bureau (BIK) was established in 1997 by the Polish Bank Association and private banks. It was created to collect and store information on financial liabilities incurred by individuals and entrepreneurs at banks, loan companies or Cooperative Savings and Credit Unions (SKOK).
The information collected about consumers’ financial liabilities by the Credit Information Bureau is later integrated and organized. Thanks to BIK’s activities, various financial institutions can verify that customers applying for a loan or non-bank loan have no problems with settling their previous cash arrears.
Financial institutions, i.e. banks, loan companies or credit unions, provide BIK with information on each financial service, e.g. cash loan or online loan granted to a natural person or entrepreneur. Below is a full list of financial products that are subject to verification by the Credit Information Bureau.
Important – The Credit Information Bureau collects both negative and positive information regarding borrowers ‘or borrowers’ financial obligations.
Every consumer should know how you can check your credit history at the Credit Information Bureau. Unfortunately, most people do not know how to do this. For this reason, we have prepared a detailed step-by-step guide that will clarify any doubts about this topic.
Important – checking the credit history in BIK can be done only on the website.
This is a fairly simple process, all you have to do is pay off all outstanding financial obligations to various banks, loan companies or credit unions. Then you should ask representatives of these institutions to prepare and send an application to the Credit Information Bureau with the information that we are no longer debtors. In this way, we will get rid of your negative credit history. At this point, however, it should be noted that BIK cleaning will take place only after 5 years.