Summary of changes to BIK credit score reporting in Poland (July 2026)

There were few important changes to how the credit scoring in Poland works, please check our summary of key changes below.
 

1. Credit inquiries no longer reduce the BIK score:

• Submitting loan applications to multiple banks to compare offers no longer negatively impacts a customer's BIK score.
• The change eliminates the previous practice where multiple inquiries could lower creditworthiness.

2. Unsuccessful credit inquiries are automatically deleted after 14 days:

• If a credit inquiry does not result in a loan agreement, it is automatically removed from BIK after 14 days.
• Previously, such inquiries could remain visible for up to 12 months.

3. New BIK scoring model introduced:

• Banks now receive credit scores calculated using a new algorithm designed to better reflect a customer's actual repayment risk.
• The updated model places less emphasis on application behavior and more emphasis on real financial obligations.
• Very likely your score is now different than until June 2026.

4. Greater focus on current financial behavior:

• The new score gives more weight to:
  - timely repayment history,
  - current indebtedness,
  - utilization of revolving credit limits,
  - stability and length of credit history.

5. Non-bank financing is now included in scoring:

• The scoring model now considers repayment behavior for:
  - BNPL (Buy Now, Pay Later) products,
  - selected non-bank loans,
  - other alternative financing products where data is reported to BIK.
  Proper repayment of these obligations can positively influence the BIK score.

6. Improved ability to compare credit offers:

• Consumers can safely request offers from several banks without worrying that multiple inquiries alone will reduce their chances of obtaining financing.
• The intention is to encourage informed comparison shopping while maintaining prudent credit assessment.

7. Banks receive a more predictive assessment of borrower risk:

• The revised scoring model is intended to improve the predictive power of BIK scores by emphasizing actual repayment behavior rather than the number of credit inquiries.
• Banks were required to adapt their internal credit decision engines to accommodate the new scoring methodology.