Personal credit rating (PCR) is an assessment of the quality of your credit history and your reliability as a borrower. Unlike a credit history, the rating is calculated in points. The higher it is, the better and more reliable you are as a borrower.
How to check your credit score for free
You can check your credit rating for free twice a year by contacting the BKI. This can be done online on the bureau's websites or by contacting the company's office, which may not always be convenient and fast.
You can check your credit rating safely, free of charge and easily on our website. This will not affect the number of your free requests, and you will be able to get an up-to-date rating taking into account repayments for the last month. We update the data monthly based on information from the largest Credit History Bureaus JSC OKB and LLC BKI SB. You can check your rating on our website as many times as you like.
How to find out your credit rating for free online on Sravni:
Click "Find out your credit score" on that page.
Log in to your personal account or register on the website. poland number for whatsapp This can be done through the State Services portal.
Please enter the required data.
You will learn about your credit potential, all active loans and payments on them, your payment burden.
Your credit rating will be presented on the results scale. For a good rating, the permissive colors will be green and yellow, then the probability of approval for a new loan will be high. For a bad rating, the prohibitive colors will be in the range from orange to red, depending on the intensity, the probability of getting a new loan will decrease.
For greater convenience, you can calculate your credit rating in the Compare mobile app, which can be downloaded on this page.
You can check your credit history for free twice a year on the websites of credit bureaus or monthly for free in the “Credit Rating” on Sravni.
How is a credit score calculated?
What information is taken into account when calculating the PCR:
Quality of servicing of repaid loans.
Servicing of current debt.
The ratings are calculated taking into account the following data:
Number of active loans.
Having a large number of different types of loans increases the risk that the borrower may face problems repaying them.
Number of loans repaid.
The amount of loans the borrower has previously used; if he took out large loans and repaid them on time, this is a positive factor.