Who can see your company in Credit Information Bureau?

Credit history of 24 million individual clients and over a million companies and institutions – such a wealth of data is available to the Credit Information Bureau. Who can the Credit Information Bureau share this data with and for what? Let’s see.

What is and what does the Credit Information Bureau do?

As we can read on the institution’s website , Credit Information Bureau is “the country’s largest collection of data on individual clients and entrepreneurs, including in the area of ​​non-bank loans .” The largest and one of its kind: Credit Information Bureau was created by banks and the Polish Bank Association, based on art. 105 paragraph 4 of the Banking Act.

The Office’s task is to collect information on loans taken out in banks, credit unions and loan companies and to make them available to support the analysis of the creditworthiness of persons and companies applying for a loan or a loan.

Where does this data come from? Just from all of the above entities. Credit Information Bureau is a platform for the exchange of information on borrowers. Banks and credit unions report to Credit Information Bureau all “financial events” related to the loan, in particular its taking, repayment of subsequent installments or … no repayments. Loan companies do not have this obligation: not every loan “lands” in the Credit Information Bureau.

Who can have access to data in the Credit Information Bureau?

Who can have access to data in the Credit Information Bureau?

Several groups of companies and institutions have access to data about you – or about your company – collected in the Credit Information Bureau. The first of these are those that grant loans themselves (or provide similar services), so:

  • banks (commercial and cooperative),
  • Jumping,
  • loan companies,
  • leasing and factoring companies related to banks.

Banks can ask the Credit Information Bureau for information about you without asking for your opinion when you want to take advantage of their offer. It is different in the case of loan companies: they can “reach” your credit history at other loan companies without asking you for permission, but they need permission to access information on your liabilities to banks.

Also leasing and factoring companies associated with banks always need your consent to get acquainted with your history accumulated in the Credit Information Bureau. If you give it, they can reach for it directly to the Credit Information Bureau.

Who else?


It is different in the case of the second group of entities, which include, for example, leasing and factoring companies that are not associated with any bank. These can also take advantage of the rich information about you in the Credit Information Bureau, but only through BIGs, i.e. Economic Information Bureaus. And specifically one BIG: BIG InfoMonitor, that is a daughter company … Credit Information Bureau.

It is worth noting that the Credit Information Bureau and BIGi are different institutions. Credit Information Bureau collects data on loans and advances granted by financial institutions, while BIGi – on liabilities towards companies from any sectors of the economy. Probably the most well-known aspect of BIG’s business is keeping registers of debtors. They contain information about those individuals and companies from which creditors did not receive payment on time.

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