Debtor databases - BIK, BIG, KRD - what do they do?

Certainly, you have heard these names more than once - BIK, BIG, KRD. You probably also know that if you run into debt, you will come into contact with one of these institutions. But have you ever wondered what they do and what is the difference between them? Below we present all the necessary details so that you will never confuse these names with yourself again!


BIK - Credit Information Bureau

BIK is a register in which you have certainly been checked more than once if you applied for a loan or a loan. In the Credit Information Bureau, all your data on your credit history is collected, integrated and made available. The BIK contains information from loan companies, banks and credit unions.

It is sometimes said that someone "has a bad BIK" - this means that there are negative entries in the Credit Information Bureau regarding his credit history. This in turn means that such a person must have had some problems and arrears in paying off his liabilities. If someone "has a good BIK", it means that he / she repaid everything regularly and will not have a problem when he needs a loan or a loan.

BIG - Economic Information Office

BIG, i.e. the Economic Information Bureau, is a register in which data on the financial capacity of various entities are stored: customers, contractors, suppliers, business partners, and in some cases entrepreneurs. As in the case of the Credit Information Bureau, the information collected can be both positive and negative.

Let's take a look at exactly what data BIG collects:

  • taking a loan,
  • invoices (including those paid and unpaid),
  • purchased goods in installments,
  • state of payment of bills.

As in the case of BIK, in order to get to BIG, you must meet specific conditions related to the lack of payments or delays in repayments.

KRD - National Debt Register

This is the third entity that we will tell you about today, right after BIK and BIG. The National Debt Register, abbreviated as KRD, collects and disseminates information on debt and timely repayment of liabilities incurred by persons applying for a loan or a loan. Like the BIK and BIG registers, the KRD is often checked by loan and credit institutions, as well as shops where the purchase can be divided into a purchase. Contrary to the aforementioned institutions, however, the KRD provides not only the details of the debtor, but also the creditor - the person or entity to whom the debtor owes a specific amount.

Now you know what BIK, BIG and KRD are. Let me know in the comment if you have any questions and if this article was helpful for you!

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