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Debtors registers

The Credit Information Bureau is commonly mistaken with other institutions known as the Economic Information Bureaus (BIGs) – usually called debtors’ registers. They operate based on different legal basis than the BIK. They also have different goals and competencies. At present the following entities are involved in gathering, storing and sharing of economic information on overdue indebtedness of individuals and companies:

  • Bankowy Rejestr [Bank Register] (BR) or BRKN – Bankowy Rejestr Niesolidnych Klientów [Bank Register of Unreliable Customers]
  • BIG Infomonitor
  • Krajowy Rejestr Długów (KRD) [National Bank Register]
  • Rejestr Dłużników ERIF BIG S.A.

In contrast to the Credit Information Bureau (BIK), the above institutions do not require consent to process data of individuals or companies. Nevertheless, they have to meet legal requirements so that the information entered into the database is open for general use. Unlike in the case of the BIK, anybody (a natural person or a company), having fulfilled specific criteria, can make entries into the debtor register.

The conditions regarding entry into the debtor register depend on the legal form of the creditor:

CREDITOR: Consumer (a natural person not conducting business activity)

DEBTOR: Consumer (a natural person not conducting business activity), an entrepreneur or a local-government unit

  • possessing an executive title stating the arrears (court judgement or a settlement made before court, with execution clause)
  • a request for payment was sent at least 14 days before an entry is made, including a warning about the intent to submit information to one of the BIGs, giving its name and address

CREDITOR: An Entrepreneur or a local-government unit

DEBTOR: Consumer (a natural person not conducting business activity)

  • the liability arose in connection with any legal relation between the creditor and the debtor (e.g.: a credit agreement, agreement for provision of telecommunication services, waste disposal agreement etc.)
  • the total arrears exceed PLN 200 and the delay in repayment is over 60 days
  • • A request for payment was sent to the address for services indicated by the debtor or, if not such address was indicated, to the residence address, at least 30 days before an entry is made. The request for payment must include a warning about the intent to submit information to one of the BIGs, giving its name and address

CREDITOR: Entrepreneur or a local-government unit

DEBTOR: Entrepreneur or a local-government unit

  • the liability arose in connection with any legal relation between the creditor and the debtor (e.g.: agreement related to conducting business activity)
  • the total arrears exceed PLN 500 and the delay in repayment is over 60 days
  • A request for payment was sent to the address of the registered office or the place of conducting business activity at least 30 days before an entry is made, including a warning about the intent to submit information to one of the BIGs, giving its name and address

If a legal entity possesses execution title, the minimum amounts and deadlines do not apply, and the time from sending the warning about the possibility of an entry is reduced to 14 days.

Creditors are statutorily obliged to remove the entries regarding the debtor immediately after the debt repayment.

The legal basis of the operations of the registers listed above is defined by:

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