Consolidated loans without KRD – Where to borrow?


Is it possible to get a consolidated loan without verification in the KRD? To answer this question at the beginning, let us determine what is the national debtors’ register. KRD, is a company that collects debtors’ data from across Poland. You can enter the register, for example, for an unpaid ticket, delays in paying utility bills, or failure to pay installments within the prescribed period. The KRD company is mainly associated with the fact that companies enter it for the lack of repayments on time.

However, few people know that also every private person can enter his debtor for a fee. A relevant court order is required for this. In addition, the national register of debtors offers in the form of a subscription, as well as BIK notification when a company sends a request to krd to verify the database in search of entries. This will allow us to avoid extorting consolidated loans or credits to our data. In addition, we also have the opportunity to check ourselves if any company has accidentally recorded information about liabilities on our account. The official website of the KRD .

Where to borrow without KRD?

We, as a company specializing in consolidated loans for indebted people, also borrow to people who have negative entries in the KRD. So if you have an accident, or are looking for a consolidated loan to pay off your debts, so that you can delete information about yourself in the debtors’ register, we may be able to help you. A quick consolidated loan via the Internet, maybe it will allow you to go straight, of course if the appropriate budget will be written out, and will plan your expenses in detail. A properly selected strategy can help you clean your account in the debtors’ registers and lead to repayment of all liabilities on time. Apply for a consolidated loan without KRD .

Will I be discharged from the KRD bases after paying off the obligation?

Just like the debtors’ register writes on your site – after all liabilities have been repaid to your creditors, your data will be 100% crossed out from KRD, and your chances for a consolidated loan will increase. This will make it much easier for you to apply for a consolidated loan in the future. You will also save time because many companies do not want to give consolidated loans to people entered in the debtors’ registers. They do this because they want to minimize losses, and to make consolidated loans unpaid. Thanks to lower costs, they can offer consolidated loans to other clients with a lower interest rate and a better margin.

When will the debtor be added to the bases?

In the case of BIK databases, a person who has not paid his dues to the lender is added after 60 days from the planned repayment date. In addition, the amount of unpaid consolidated loan must exceed more than PLN 200. In addition, a letter of payment order is sent to such a person in which it is marked that it is entered in the national debt register. However, when it comes to entries to the KRD and BIG, the situation is not so obvious. Pursuant to the amendment to the Act of November 17, 2017, the Debtor may be entered into the register of debts after 30 days from the planned repayment date. However, it should be notified in advance by post. And as you know, it depends on the company when he wants to inform such a person. Usually, however, such notification is sent together with information about entering the BIK database.

How to avoid getting into debt and problems with debtors’ registers?

The solution that I propose will not be easy. Because according to the saying “If you are doing things easy, your life will be difficult. If you are doing difficult things, your life will be easy. “Falling into debt is undoubtedly a difficult matter and is the result of making too many easy decisions. Most often, however, it is an effect that we postpone making a decision, and she undertakes it herself without our participation. An example would be to call the consolidated loan company and inform about the poor state of the household budget, and the likely delay in the repayment that will take place. No doubt it will be a difficult phone call, because nobody can admit it.

However, if we delay this decision, the lender will call and ask for his money. It will probably be after the repayment date, so you will additionally receive penalty interest, as well as the costs of so-called “reminders”. If we stop receiving calls from the consolidated loan company, then the case will be quickly referred to debt collection, and the dishonest debtor entered into the KRD, BIG or BIK registers.

Will the repayment of late consolidated loans lead to the deletion of information in the KRD and other databases?

Will the borrower be removed from the debtors’ database after payment of arrears? It depends on the base, but most often not. In the case of BIK, in order to restore the same capacity as before the indebtedness, the repayment of the obligation must take up to 3 years of timely repayment of liabilities. Of course, this does not mean that the entry will be deleted. Information on this incident will be further processed at BIK. The same applies to ERIF registers. However, when it comes to entries in the KRD databases, the case is a bit different. In the case of repayment of any obligations, the customer is deleted from the KRD base and again has a “clean account”.


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