A lot of people ask themselves this question. It should be emphasized that there are plenty of people who do not know why you should control your credit history . Besides, they have no idea where to find such information? You will learn about this by reading today’s article devoted to this issue.
Data available in BIK
It should be emphasized that the Credit Information Bureau contains data on loans taken, short-term loans, etc. This is a very important issue. It should be added that messages to BIK are sent not only by banks, as it may seem at first glance. Such an institution is also “fed” with news by Spółdzielcze Kasa Oszczędnościowo-Kredytowe, that is popular credit unions. It cannot be denied that recently the Credit Information Bureau is also a treasury of knowledge about past or present payday loans. All because non-bank loans also cooperate with this institution.
Why control your credit history
I don’t think anyone needs convincing that the information provided casts positive or negative images about a particular applicant who is applying for a loan. Why? If the credit history is good, then the banks simply trust the individual. Banks can see that a person took loans, but regularly repaid them. I don’t think you need to convince anyone that this information is very valuable. What happens when a bank representative assessing a particular customer sees that his credit history is, to put it mildly, poor? Unfortunately, in this situation the chances of getting a loan are simply small. The bank does not treat such a person as a trustworthy person. This must be clearly emphasized. No wonder that it’s worth not only to control your credit history , but also to care for it.
How can this be done?
It should be emphasized that the Credit Information Bureau is not only available to banks that assess the ability of a particular customer interested in mortgage, car, consolidation loans, etc. It is worth knowing that each of us can actually access the data contained therein. Nothing stands in the way of achieving this goal. Why is it worth There are several reasons. It’s a way to find out if someone is not taking out any loans for you. This is very important in the aspect of people who once lost their identity documents. In addition, thanks to this, you can control your credit history and see how we are perceived in the eyes of the bank. Sometimes some information is not factual. Then you can apply to a specific bank, credit unions or non-bank institution to change specific data as soon as possible.