Are Non-Bank Loans Visible In BIK?
Non-bank loans are able to improve the financial situation of many people, so it is worth to decide from time to time to pay off some arrears or give someone money. Of course, each time the decision has to be carefully thought out, so as not to get into financial trouble, which will then be difficult to get out on your own. Before applying for a loan, first read the regulations of a non-bank company carefully. Knowledge of such rules will be very useful, because then borrowing is much safer. Some companies publish information that a client has taken a loan from their company, this information goes to BIK, which is not very good news for borrowers who have limited creditworthiness. However, there are companies that do not do it automatically, so it is good to get acquainted with such a set of companies first, and then only decide where to borrow.
High creditworthiness without an entry to BIK
If the non-bank loan is not visible in BIK then the client will also be able to count on a definitely higher creditworthiness. This is important because not everyone is satisfied with having one loan. Some people need additional financial commitments so that their home budget can be straightened out. Financial troubles are the worst sort of trouble that can happen to the average person, which is why people want to solve them as soon as possible so that they can go on and do not worry about anything. Therefore, it is worth establishing a cooperation with proven non-bank companies that are able to provide clients with information that the loan will not be visible in BIK. It is worth mentioning that there are really many such companies, which is why you can pick these offers. Companies such as Ferratum or Filarum do not enter their clients into the BIK register at all, so borrowing loans there is a very good solution.
Entries to the BIK only after delays in repayment of the loan
There are companies that enter their clients to BIK only after delays associated with the repayment of the loan. This is probably the most honest solution, because it is up to the customer whether he will be on the BIK register or whether he will not be there. It is worth keeping an eye on all repayment dates, and then you will not have to worry about anything. After passing the deadline for the registration of their debtors, for example, companies such as Ekspress Kasa or In Credit enter. Halo Loan and SMS Loan companies do so, so such offers are not considered by more demanding clients. The entry to the BIK interferes with:
- obtaining another loan,
- taking care of your history and creditworthiness.
Therefore, people attach a lot of weight to it, because situations in human life are very diverse and it is not known when the moment will come when you will need to apply for a loan, and if it will appear in BIK, the decision for the client may be unfavorable.
How to check if you are in BIK?
Banks granting loans concentrate while considering applications on reports obtained from BIK. Customers should therefore take care of their interests, and it can be done in several ways. First of all, you can check for yourself whether the information about borrowing is visible in BIK, or whether nobody from outside will have access to it. The important thing is that the information contained in BIK can be included there for up to 5 years, so even if you pay back any possible arrears, this does not mean that you will be deleted from the register immediately. Therefore, these arrears are not worth it, because then you can only regret it. If someone wants to check their client panel, they must go to the Credit Information Bureau website and download a full report about their person. Thanks to this, every interested person will know what to expect from a visit to the bank, for example when trying to get a cash loan.
Non-bank companies care about their clients
In many cases, non-bank companies take care of their clients because:
- they do not want to lose them to the banks,
- they make a lot of money on them,
- they want them to be loyal to them and not change their business.
As you can see clearly in many cases absolutely nothing to stress, but it is worth having full control over it. Not always a non-banking company is at the height of the task, which is why you need to check BIK reports from time to time. Then it will not be negatively surprised when visiting the bank. Lack of credibility for the bank is a sign that the client wants to cheat them, so it is better not to combine and to put it clearly. When someone knows that the information about a non-bank loan is in the BIK register will not cheat a representative of the bank, because it will not be useful for him, because such a person will know about such entries. Precise familiarization with the principles of non-banking companies is a key issue.