Clearing the BIK history - is it possible?

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More and more often, negative data collected in the Credit Information Bureau cause banks to refuse to provide financial services. Very often, bank customers do not even realize what data is in the system. Then it happens that you reach for the help of companies offering the "BIK cleaning" service.

Is it possible to delete negative history in this database?

Unfortunately not. "Clearing BIK" according to the nomenclature used by companies that offer this service may, in principle, consist in submitting an application for loan restructuring or deletion of data from BIK to a bank or SKOK. In most cases, the deletion concerns positive data that inform about reliably repaid loans. This data is an advantage in relations with banks and credit unions and makes it easier to obtain another loan, so it is not worth giving up the possibility of using them.

What data is in BIK?

Positive information (loans repaid on time) and negative information (unpaid loans or late repayments), which apply to all credit accounts maintained by banks and credit unions. These liabilities are usually: loans for the purchase of goods, services and securities, non-purpose and student loans, housing and employee loans, credit sureties, as well as revolving loans, retail card, credit card, debit card and overdraft limit in ROR. Late repayment means that a specific loan installment has been repaid with a delay of at least 60 days.

In what cases can BIK legally be requested to delete data?

Removal of data from BIK at the borrower's request is possible in three cases:

  1. revocation by the data subject (Client or former Client of the bank) of consent to the processing of data after the expiry of the credit obligation (Article 105a (2) of the Banking Law Act) or the expiry of the period for which the consent was granted,

  1. the expiry of the 5-year deadline for processing the Customer's data without his consent after the expiry of the obligation,

  2. false or incorrect data entered into the BIK system by mistake.