Free BIK report – how to get it and what it contains?

 

One of the main requirements that non-bank institutions set for us is having a positive credit history. Not everyone is 100% sure that their financial past is impeccable and does not contain records that would prevent you from reaching for additional cash. Faith in your own financial means is not enough. Information on our commitments can be found in the free Retrodatabase report. This is one of the reasons why you should reach for it.

Retrodatabase report for free

Retrodatabase report for free

The Retrodatabase trial report is completely free. There are no costs associated with using the Credit Information Bureau database. In addition, we receive relevant information that will allow us to avoid unpleasant surprises when applying for financial support. The document will give us a picture of how we deal with settling obligations and whether we have overdue payments.

We are entitled to a free Retrodatabase report in accordance with art. 33 of the Act on the protection of personal data. According to these provisions, every consumer has the right to receive free information from companies collecting data on it, i.e. also from the Credit Information Bureau. They are to concern the scope of data collected about the client and the sharing of this data. This right can be used once every 6 months.

When to reach for the Retrodatabase report for free?

When to reach for the Retrodatabase report for free?

We must reckon with the fact that the free Retrodatabase report does not provide us with complete information. Does not include scoring, loan repayment history and printing options. Scoring is a financial institution’s tool used to assess the risk associated with granting additional funds to the client. We will be able to get acquainted with the score by downloading the full Retrodatabase report.

Still, it’s worth reaching for the Retrodatabase report for free when:

  • we want to take a loan and check what information a bank or a loan company is collecting about us.
  • the financial institution refused to grant us additional funds. Perhaps our credit history is not flawless?
  • we want to make sure that nobody has taken a loan for our data. We will find out how many obligations are assigned to our name and if there are too many of them, this should raise our doubts.

How to check Retrodatabase online for free?

How to check Retrodatabase online for free?

If you want to know your credit history, you should register on the Credit Information Bureau website.

How to create an account in Retrodatabase?

  1. We fill out the form and click on the activation link that we will receive by email.
  2. We set the password.
  3. We choose “Account without Package”.
  4. We confirm our identity by choosing one of the three available methods (e.g. sending an ID card scan).
  5. We order a free Retrodatabase report.

The whole process does not take more than 15 minutes. Thanks to access to the network, we can do it without leaving home. But you don’t have to use the Retrodatabase offer only via the internet. The report can be ordered by contacting the Customer Service Center or by sending a written request to provide credit information. The first and last name, registered address, PESEL number as well as the series and number of the ID card or passport should be provided.

Control your credit history with the Retrodatabase report in the package

Control your credit history with the Retrodatabase report in the package

We can get the full picture of our credit history by downloading a paid report. A comprehensive Retrodatabase report shows how we deal with repayment of liabilities, also provides information on guaranteed loans and borrowings that equally affect our creditworthiness. For a small amount we will receive a full credit history together with a very useful Retrodatabase score. How much exactly does the report cost to get comprehensive information?

We have two options for the Retrodatabase report

  1. A single Retrodatabase report for PLN 39.
  2. A package of 12 reports with additional services for 79 PLN.

The second option guarantees 12 full reports, the Retrodatabase Alerts service and the ability to reserve identity documents in case of theft.

It is worth checking information on the obligations we have collected on an ongoing basis to be sure that we are building a positive credit history. The more that it is impossible to clear information on previous commitments on request. You can request a change, but only if they are out of date or incorrect. And it is the credit history that is the element that mainly affects the possibility of incurring financial liabilities, including online loans. The wide offer of the non-banking sector is constantly enriched with new proposals, tailored to the growing needs of the modern customer.

The Credit Information Bureau is a valuable source of knowledge

The Credit Information Bureau is a valuable source of knowledge

The Credit Information Bureau is an institution that is the main source of credit and economic information in our country. It collects data on individual clients and entrepreneurs, including non-bank loans. Importantly, the database receives not only negative information, e.g. about delays in repayment, but also positive information when we pay the installments on time. At Retrodatabase, you can also learn the details of recovery actions taken or account closure and related reasons. The data is sent by financial institutions where we took out a loan or took out a loan. Retrodatabase is obliged to update them on a regular basis, within a maximum of 7 days.

The purpose of the Credit Information Bureau is to increase the security of the financial system in Poland. Thanks to the efficient exchange of information, both banks and entrepreneurs can get knowledge about the payment credibility of people with whom they intend to cooperate. Thus, they are effectively secured against signing contracts with unreliable borrowers and contractors.

“Confirming your identity is the most important step in applying for a free Retrodatabase report. Instead of sending a scan of your ID card, we can place a qualified electronic signature or collect a registered letter issued by the Credit Information Bureau. Clear and clear procedures indicate that the institution cares about the security of our data, which today can easily fall into the wrong hands. Retrodatabase minimizes this risk and activates the account only when it is certain that we are the person we claim to be, “comments by one of the financial analyst, expert Truier.Net

 


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