{"id":478,"date":"2026-02-28T18:51:41","date_gmt":"2026-02-28T15:51:41","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=478"},"modified":"2026-02-28T18:51:42","modified_gmt":"2026-02-28T15:51:42","slug":"kreditnaya-istoriya-v-polshe-v-2026-godu-nuzhno-li-eyo-sozdavat-kak-eyo-isportit-i-mozhno-li-vosstanovit","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/kreditnaya-istoriya-v-polshe-v-2026-godu-nuzhno-li-eyo-sozdavat-kak-eyo-isportit-i-mozhno-li-vosstanovit\/","title":{"rendered":"Credit history in Poland in 2026: is it necessary to create one, how to ruin it, and can it be restored?"},"content":{"rendered":"<p>If you are planning <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"><strong>mortgage in Poland<\/strong><\/a>, sooner or later the question arises:<\/p>\n\n\n\n<p><strong>Is a credit history required?<br>Is it worth creating it specifically?<br>What to do if it&#039;s bad?<\/strong><\/p>\n\n\n\n<p>There are many myths surrounding this topic.<\/p>\n\n\n\n<p>Let&#039;s analyze it honestly and without horror stories.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What is a credit history in Poland?<\/h1>\n\n\n\n<p>In Poland, credit data is stored in the system <strong><a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK (Biuro Informacji Kredytowej).<\/a><\/strong><\/p>\n\n\n\n<p>It is recorded there:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>loans<\/li>\n\n\n\n<li>installments<\/li>\n\n\n\n<li>credit cards<\/li>\n\n\n\n<li>limits<\/li>\n\n\n\n<li>delays<\/li>\n\n\n\n<li>bank requests<\/li>\n<\/ul>\n\n\n\n<p>Every bank checks before issuing a mortgage <strong><a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a><\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it possible to get a mortgage without a credit history?<\/h1>\n\n\n\n<p>Yes.<br>And this is important to emphasize.<\/p>\n\n\n\n<p>Lack of credit history in Poland <strong>is not a problem<\/strong>.<\/p>\n\n\n\n<p>If you have:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stable official income<\/li>\n\n\n\n<li>residence card<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">down payment<\/a><\/li>\n\n\n\n<li>normal financial situation<\/li>\n<\/ul>\n\n\n\n<p>The bank is calmly considering the application.<\/p>\n\n\n\n<p>Many foreigners get mortgages, <strong>without any credit history in Poland<\/strong>.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Do I need to create a credit history?<\/h1>\n\n\n\n<p>Honestly, no.<\/p>\n\n\n\n<p>If you have:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">have your own contribution<\/a><\/li>\n\n\n\n<li>there is a regular income<\/li>\n\n\n\n<li>there is umowa o prac\u0119 or stable zlecenie<\/li>\n<\/ul>\n\n\n\n<p>\u2014 there is no need to take out loans \u00abfor the sake of history.\u00bb.<\/p>\n\n\n\n<p>This is a common myth.<\/p>\n\n\n\n<p>It only makes sense to create a credit history specifically if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you have an unusual income<\/li>\n\n\n\n<li>poor documentation<\/li>\n\n\n\n<li>minimum contribution<\/li>\n\n\n\n<li>you want to strengthen your application<\/li>\n<\/ul>\n\n\n\n<p>In other cases, this is not a mandatory requirement.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">When credit history helps<\/h1>\n\n\n\n<p>A positive history can be a plus:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>regular payments<\/li>\n\n\n\n<li>careful use of a credit card<\/li>\n\n\n\n<li>closed loans without delinquencies<\/li>\n<\/ul>\n\n\n\n<p>This is an additional argument in favor of the client.<\/p>\n\n\n\n<p>But this is not a decisive factor with a good income.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">When credit history becomes a problem<\/h1>\n\n\n\n<p>The real problem starts when the story is bad.<\/p>\n\n\n\n<p>This:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>delays<\/li>\n\n\n\n<li>unpaid loans<\/li>\n\n\n\n<li>debts<\/li>\n\n\n\n<li>frequent requests to banks<\/li>\n\n\n\n<li>transfer of the case to collection agencies<\/li>\n<\/ul>\n\n\n\n<p>This is already a serious risk for <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgages.<\/a><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The most common errors that ruin a BIK<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">1. Delays even by a few days<\/h2>\n\n\n\n<p>The bank sees delays.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Many applications in a row<\/h2>\n\n\n\n<p>Each request is recorded.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Using the &quot;below zero&quot; limit\u00ab<\/h2>\n\n\n\n<p>This looks like financial strain.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Forgotten installments<\/h2>\n\n\n\n<p>Sometimes people simply forget about old commitments.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it possible to restore your credit history?<\/h1>\n\n\n\n<p>Yes, but it takes time.<\/p>\n\n\n\n<p>The first thing is to pay off all debts.<br>Second, pay on time.<br>Third, don\u2019t apply to banks haphazardly.<\/p>\n\n\n\n<p>On average, 6-12 months of financial discipline will significantly improve the situation.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What is more important than credit history when applying for a mortgage?<\/h1>\n\n\n\n<p>In 2026, the following will be more important for the bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>official income<\/li>\n\n\n\n<li>form of contract<\/li>\n\n\n\n<li>residence card<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">down payment amount<\/a><\/li>\n\n\n\n<li>stability of work<\/li>\n<\/ul>\n\n\n\n<p>If these parameters are good, the lack of a credit history is not an obstacle.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The real situation<\/h1>\n\n\n\n<p>Foreigners from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ukraine<\/li>\n\n\n\n<li>Belarus<\/li>\n\n\n\n<li>Georgia<\/li>\n\n\n\n<li>India<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage<\/a> without a credit history in Poland,<br>if they have a stable job and <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">contribution<\/a>.<\/p>\n\n\n\n<p>But if you have a bad history, there really could be rejections.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The main conclusion<\/h1>\n\n\n\n<p><strong>No credit history is not a problem.<br>A good story is a plus.<br>A bad story is a real risk.<\/strong><\/p>\n\n\n\n<p>Therefore, you shouldn\u2019t take out loans \u00abjust for the sake of it\u201d <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a>\u00bb.<br>But you should watch it carefully so as not to spoil it.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">If you are planning a mortgage<\/h1>\n\n\n\n<p>Before applying, it is better to understand in advance:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>are there any problems in <a href=\"https:\/\/www.bik.pl\/\" target=\"_blank\" rel=\"noopener\">BIK<\/a><\/li>\n\n\n\n<li>Does your situation affect the bank&#039;s decision?<\/li>\n\n\n\n<li>Is it worth applying now?<\/li>\n\n\n\n<li>or better yet, prepare<\/li>\n<\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">Sometimes a small adjustment to strategy is all it takes,<br>to avoid refusal and get a mortgage without any problems.<\/a><\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0415\u0441\u043b\u0438 \u0432\u044b \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442\u0435 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435, \u0440\u0430\u043d\u043e \u0438\u043b\u0438 \u043f\u043e\u0437\u0434\u043d\u043e \u0432\u043e\u0437\u043d\u0438\u043a\u0430\u0435\u0442 \u0432\u043e\u043f\u0440\u043e\u0441: \u041d\u0443\u0436\u043d\u0430 \u043b\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0438\u0441\u0442\u043e\u0440\u0438\u044f?\u0421\u0442\u043e\u0438\u0442 \u043b\u0438 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u0435\u0451 \u0441\u043e\u0437\u0434\u0430\u0432\u0430\u0442\u044c?\u0427\u0442\u043e \u0434\u0435\u043b\u0430\u0442\u044c,<\/p>","protected":false},"author":1,"featured_media":479,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-478","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/478","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=478"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/478\/revisions"}],"predecessor-version":[{"id":480,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/478\/revisions\/480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/479"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}