BIK collects three kinds of information. Identity data: name, PESEL, address. Debt data: name of the institution, product type, amount, contract date, schedule, current balance. Payment behaviour: on-time payments, delays (30, 60, 90 days), contract terminations. Every bank you apply to pulls a BIK report showing the last 5 years. KNF-registered non-bank lenders also have access, because they are part of the system.
You have a right to your own data. Every 6 months you can pull a free report from bik.pl (the „Twój Raport BIK" service). Extra reports cost 39 PLN each or 129 PLN for a 6-pack annual subscription. The report shows what the bank sees: every contract, every delay, the score. Worth checking once a year — errors in BIK happen more often than people think, and every wrong entry (say, a delay that never happened) drops the score by dozens of points.
The correction procedure is simple. Complaint straight to the bank that reported the data. The bank has 30 days to verify and either fixes BIK or explains in writing. A refusal takes you to BIK, then to UODO, then to court. Most cases stop at the bank because the error is usually clear-cut (a missed payment recorded despite proof of transfer).
Frequently asked questions
5 years after the contract ends if repaid on time. With 60+ days of delay: 5 years after full repayment, and no consent needed. With your written consent: indefinitely (positive history).
No. BIK is the sectoral register of banks and KNF-licensed lenders. KRD and BIG are broader registers open to any business — telcos, utilities, landlords.
A bank or lender you apply to. Without your consent — nobody. The consent is usually inside the application form.