Therefore, it is worthwhile to encourage all the borrowers with the positive history to knowledgeably treat it as an argument in their relationships with the banks. All you have to do is to give your consent to the processing of information about your repaid liabilities. Otherwise, the banks will be unaware of them and such Clients may have lower chances to benefit from the more advantageous credit terms.

The consent may be given at signature of the credit agreement or during the credit repayment. Also, it has to be emphasised that obtaining a credit within fifteen minutes is not possible without positive credit history of the client which can only be obtained from Biuro Informacji Kredytowej.