Financing products
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Credit inquiries are no longer taken into account when calculating an individual's BIK score. From 1 July 2026, an inquiry that does not result in financing is automatically deleted from the BIK database after 14 days and is no longer shared with financial institutions.
This does not mean that the financing process and the applicant's history of financial obligations have stopped affecting future decisions.
Three separate issues need to be distinguished: an individual's BIK score, the company's credit history and the financing provider's own risk assessment.
BIK does not calculate a score for a company in the same way as it does for an individual customer. The BIK My Company Report contains information about the company's obligations and repayment history, while the final financing decision remains with the individual institution.
What changed in the BIK rules in 2026?
The most important change concerns the way credit inquiries are treated.
Under the previous model, submitting frequent applications could affect an individual's BIK score. Inquiries concerning the same type of credit product and submitted within 14 days were treated as one inquiry when the score was calculated.
Credit inquiries are no longer included when calculating the BIK score. In addition, from 1 July 2026, an inquiry that does not result in financing is automatically deleted from the database after 14 days.
Does an application still leave a record in BIK?
A formal inquiry may appear in BIK when an institution submits it in connection with an application for a loan or other form of financing.
Browsing a website, using a calculator or having an initial conversation about available options is not the same as submitting an inquiry to BIK. What matters is the stage of the process and whether the institution actually checks the applicant's data in BIK.
Before submitting an application, it is therefore worth checking at what stage of the business financing process the institution sends an inquiry to BIK and which information will be analysed.
From 1 July, an inquiry that does not result in financing remains in the database for no more than 14 days. It is then deleted automatically.
The situation is different when financing is granted. The inquiry itself then becomes less important. What starts to matter is the information about the new obligation and the way it is repaid.
Is a rejected application removed from BIK after 14 days?
An inquiry that does not result in financing is removed after 14 days.
This rule applies not only when an institution rejects an application. It also covers processes that do not end with a financing agreement being signed and the funds being disbursed.
Deleting the inquiry is not the same as deleting the applicant's entire credit history.
When an entrepreneur or company already has loans, credit facilities, limits or other obligations reported to BIK, information about them remains relevant. The same applies to information about timely repayments and payment delays.
After 14 days, it is the inquiry that did not result in financing that disappears, not accurate information about existing obligations.
Does a company have a BIK score?
No. The BIK score is calculated for individual customers, not for companies.
A company's history is presented in the BIK My Company Report, known in Polish as Raport BIK Moja Firma. It includes information such as current obligations, repayment history and business information obtained from BIG InfoMonitor.
The Contractor Verification Report, known in Polish as Raport Weryfikacja Kontrahenta, contains a business relationship risk indicator for the company being checked. This is not an individual's BIK score or the scoring model used to assess a consumer.
In the case of a sole proprietorship, it is worth reviewing business and personal obligations separately. BIK indicates that the owner of a sole proprietorship can check both the BIK My Company Report and their own report concerning personal creditworthiness.
The information analysed during a particular financing process depends on the product and the rules applied by the financing provider.
The BIK My Company Report still contains a section covering credit inquiries. This does not contradict the new rules: inquiries that do not result in financing are removed after 14 days.
What affects the BIK score after the changes?
Credit inquiries are no longer one of the factors affecting an individual's BIK score.
The following factors still matter:
- previous repayment history
- whether current payments are made on time
- the length of the applicant's credit history
- the number of new loans and other financing obligations
- the level of utilisation of credit limits
- the number of cash loans and consumer loans currently being repaid
Downloading and reviewing your own BIK Report does not reduce the score either. An applicant can therefore check the report before applying for financing without worrying that this action alone will negatively affect the result.
In practice, the way existing obligations are managed remains the most important issue.
A credit inquiry does not build a credit history. Credit history is built through loans, the use of credit limits and whether instalments are paid in accordance with the agreed schedule.
Can a company safely submit many applications after the changes?
The fact that inquiries do not affect the BIK score does not mean that submitting applications to every available institution is the best strategy.
First, an inquiry that does not result in financing does not disappear immediately. It is removed after 14 days.
Second, each financial institution can use its own risk assessment model and consider significantly more information than an individual's BIK score. BIK does not decide whether financing will be granted. It provides information that may form one part of the institution's assessment.
Third, several parallel processes can easily create confusion. Different applications may contain different amounts, purposes or information about existing obligations. A company may also receive several offers and accept obligations whose combined repayment cost is higher than originally planned.
The BIK changes make it easier to compare available options. They do not remove the need to choose financing that matches the company's actual requirements.
What elements of a company's history may matter to a financing provider?
The BIK My Company Report allows an entrepreneur to review the company's current obligations, full repayment history and business information obtained from BIG InfoMonitor.
Before starting a financing process, the company can therefore check whether there are any payment delays, forgotten obligations or data that may need to be clarified.
A bank or another financial institution does not base its decision solely on BIK information. It may also consider the company's revenue, costs, cash flow, existing debt, legal form, operating history, available collateral, financing purpose and planned source of repayment.
Strong BIK data does not guarantee that a particular amount will be approved. Similarly, a weaker part of the company's history does not always automatically eliminate every financing option.
What matters is the company's overall situation and the structure of the proposed financing.
How is the UOKiK investigation connected with credit inquiries?
At the same time, the President of the Office of Competition and Consumer Protection, known as UOKiK, is conducting explanatory proceedings concerning creditworthiness assessment rules and the exchange of information about inquiries within the banking sector.
In July 2026, officials carried out searches at the offices of BIK and several banks. UOKiK is examining, among other issues, whether the use of information about the number of inquiries in mortgage lending could have restricted competition and discouraged consumers from comparing offers.
This remains an explanatory proceeding concerning the matter, not proceedings against specific entities. It has not resulted in a finding of infringement or a final decision.
It cannot therefore be concluded at this stage that the previous use of credit inquiry information was found to be illegal or that UOKiK ordered the scoring model to be changed.
The investigation does, however, show that the effect of credit inquiries on consumers' ability to compare offers has become an important issue for customers, the financial market and the competition authority.
How should a company prepare before applying under the new rules?
The new rules reduce the risk that comparing financing options will negatively affect an individual's BIK score. The company's situation should still be organised before the process begins.
If the report contains inaccurate or outdated information, the correction must be requested from the institution that originally submitted the data to BIK. BIK does not independently change information received from a bank or another financing provider.
Reviewing the report should not, however, be treated as an attempt to find a way to artificially "clean" the applicant's credit history.
A positive history of obligations repaid on time may support the applicant's position. Removing accurate and positive information does not always improve the situation and may reduce the visibility of a strong repayment history.
What do the changes mean for entrepreneurs?
The main benefit is straightforward: an entrepreneur should no longer be concerned that a credit inquiry alone will reduce their personal BIK score.
If the process does not result in financing, the inquiry is removed after 14 days.
This does not change the basic logic of business financing.
The decision still depends on the company's situation, existing obligations, the amount of capital required, the intended use of the funds and the planned source of repayment.
A well-prepared application is therefore not about avoiding BIK at all costs.
It is about entering the process with accurate information, a suitable financing product and a plan that continues to make sense after the funds have been disbursed.
