BIK Score – what is it and how to check it?

The Credit Information Bureau (BIK) score is one of the key factors influecing your creditworthiness. In BIK lenders review your existing liabilities as well as any delays in repayment from the past. It’s a good idea to check your BIK history before bank does it. In this article, we’re showing how to do it for free.

In this article you will learn:
• What is the Credit Information Bureau (BIK) and what does the BIK score represent?
• What factors influence your BIK score?
• How many points do you need to qualify for a mortgage?
• How can you check your BIK for free?
• Does having no credit history in BIK eliminate your chances of getting a mortgage?

What is BIK?

The Credit Information Bureau (BIK) is an institution established by banks to collect and process credit data on consumers in Poland. Participating banks submit information on all loans and credit facilities they grant, and in return gain access to data shared by other members of the system. This exchange allows lenders to build a much more comprehensive picture of individuals applying for credit.

What is BIK score?

The BIK score (pl.: ocena punktowa BIK) is a numerical assessment of the risk associated with granting credit to a particular borrower. It ranges from 0 to 100 points. The higher the score, the greater the likelihood that the borrower will repay the loan, including interest, on time.

What determines your BIK score?

How exactly is the score calculated? Unfortunately, there is no precise answer to this question. For obvious reasons, BIK does not disclose the full methodology behind its creditworthiness assessment.

There are many theories among experts and borrowers about what influences the score, but these are not officially confirmed. Based on the information available on BIK official webpage, we can confidently say that the following factors play a key role:

Repayment history
This is the most important factor. Both current and past delays in repayments can lower your score. What matters is not only the number of days past due, but also the amount of outstanding debt.

Use of credit cards, credit limits, and consumer loans
Using these products responsibly, combined with timely repayments, can improve your score. On the other hand, having too many such obligations may indicate potential liquidity issues. Taking out multiple new loans within a short period can also negatively affect your score.

Credit applications
BIK reviews your credit applications over the past 12 months. A high number of applications may suggest financial distress and result in a lower score.

Does this mean that applying for a mortgage with several banks at the same time — something we often recommend — is a mistake? Not at all. BIK applies an exception here: applications for the same type of loan submitted within a 14-day period are treated as a single inquiry.

Credit history length and experience
A long track record of timely repayments generally translates into a higher score.

What BIK score qualifies you to get a mortgage?

There’s no straightforward answer to this question either. The BIK score is just one of several factors considered when assessing creditworthiness (we’ve covered other factors in detail here). Each bank has its own lending policy and tolerance for lower scores, so it’s impossible to define a single threshold that guarantees approval — or one that automatically disqualifies you.

So why check your BIK score at all? There are at least three important reasons:

1. Guidance from an experienced credit expert
A skilled mortgage broker, with access to your full data, can give you a realistic idea of what to expect from the bank’s decision. This insight comes from professional experience rather than official sources, so it’s never a guarantee — there’s always an exception to every rule. Still, sharing your score with an expert will help you understand where you stand.

2. Early detection of repayment issues
Even if we don’t know the exact score needed to get a mortgage, we do know that overdue payments, especially those over 60 days, can significantly lower your score. Checking for such delays early in the process, before the bank does, can be crucial. In some cases, old and already settled obligations can be corrected.

3. Identifying unknown liabilities
There’s always a small chance that an obligation exists under your name without your knowledge. It could be a forgotten installment, a deferred payment, or a transfer that didn’t reach its intended recipient. Rarely, someone could even have taken a loan using your data. While such cases are extremely uncommon, their impact can be significant, which is why it’s wise to review your BIK periodically.

How to check your BIK score?

Let’s get to the key question—how can you check your BIK score? This option is available to everyone, as BIK offers its services not only to banks but also to consumers directly. On the official website, you can order a report for a fee, which includes:

• Your credit score
• Full credit history
• Information on any payment delays
• Data on Buy Now, Pay Later (BNPL) transactions
• Details on the use of payment holidays

You can view a sample report here.

How to check your credit history in BIK for free?

Not many people realize that a similar set of information can be obtained completely free of charge. How? Once every six months, you can submit a request to BIK for a so-called “data copy” (pl.: kopia danych). This report includes basic information such as:

• The institutions that have reported your data to BIK
• A record of inquiries made by financial institutions about you
• Details of your liabilities, including balances and any overdue payments

To request your data copy, you first need to create an account on the official BIK website. After logging in, select your main profile (click on the images to enlarge them):

Next, go to the Contact section by clicking the envelope icon in the top right corner:

Select “Prawa wynikające z RODO” (GDPR-related rights) as the message subject, and enter the following in the message body:

Proszę o udostępnienie Kopii Danych oraz Doszczegółowienia do Kopii Danych na podstawie art. 15 RODO.

(Please provide me with a copy of my personal data, along with a detailed breakdown, in accordance with Article 15 of the GDPR).

BIK has up to 30 days to respond. Once your data copy is ready, you can find it by clicking the settings (gear) icon and navigating to the Files section:

Can I delete my data from BIK?

What if your credit history isn’t ideal? Can it be removed or improved? As mentioned earlier, this is possible but only in specific situations:

Incorrect or outdated information
Banks may sometimes delay reporting data to BIK, which is why it’s worth reviewing your records regularly—especially before applying for a loan.

Delays of up to 60 days
If your repayment delays did not exceed 60 days, you can withdraw your consent for further data processing after the loan has been fully repaid. This will result in the removal of that data from BIK.

Delays exceeding 60 days
In this case, the situation is more complex. BIK is allowed to process such data without your consent for up to 5 years after the loan has been repaid. Once this period has passed, you can request its deletion.

Does having no BIK history prevent you from getting a mortgage?

Finally, let’s address a common concern. For many people, a mortgage is their first major financial commitment. Does having no credit history mean you won’t qualify?

Fortunately, no. A lack of credit history is not a disqualifying factor. Banks can still assess your creditworthiness based on other criteria, such as your income relative to the future loan installment or your bank statements.

In practice, the BIK score tends to play a bigger role in cash loans—especially larger ones—while for mortgages, banks are generally more accommodating toward applicants with no prior credit history.

Summary

The BIK score is an estimate of the risk associated with lending to a particular borrower. The higher the score, the greater the chances of obtaining financing.

Although there is no single minimum score that guarantees mortgage approval, it’s worth checking your BIK report in advance. This allows you to identify any potential issues, such as overdue payments or unknown liabilities. Importantly, you can do this completely free of charge by requesting a data copy from BIK once every six months.

And remember — having no credit history does not rule out your chances of getting a mortgage.