In Polish: BIG (biuro informacji gospodarczej) (np. BIG InfoMonitor, KRD, ERIF)
This is the word you will see in bank documents.
Definition
A BIG (biuro informacji gospodarczej, economic information bureau) is a register where creditors record unpaid debts, for example for a phone, electricity, rent or debts bought by a collection agency. It operates under the act on sharing economic information. The best-known bureaus are BIG InfoMonitor, Krajowy Rejestr Długów (KRD) and ERIF.
What it means for you
Before a mortgage the bank checks not only BIK but also BIG. An active entry for an unpaid debt usually means a refusal, even if your BIK history is clean. Check your data in the bureaus and pay off arrears before applying, because removing an entry takes several weeks.
Full entry in Polish, with a worked example and sources
Frequently asked questions
Does the bank check BIG before a mortgage?
Yes. Besides BIK, banks check economic information bureaus. An active debt entry usually means a refusal until you pay it off.
From what amount can I be entered in BIG?
For a consumer, from 200 zł of arrears in total, due for at least 30 days, and at least a month after a payment demand warning about the entry.
How long does an entry stay in BIG?
After repayment the creditor has 14 days to report the update. Without repayment a consumer's data is removed no later than 6 years after the debt became due.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Details
Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Creditworthiness and down payment”