BIK score (ocena punktowa BIK)

A points-based score prepared by BIK on the basis of your credit history. It shows how BIK estimates the risk that you will not repay your commitments on time.

The score is affected, among other things, by timely repayment, the number and type of commitments and the number of recent credit enquiries. Banks use BIK data, but each has its own assessment model, so the BIK score alone does not decide the outcome.