Adding a new element to its business activity, in May 2007 KRUK S.A. became the owner of Europejski Rejestr Informacji Finansowej BIG S.A. - currently ERIF Register of Debtors (Rejestr Dłużników ERIF BIG S.A.), one of the three credit information bureaus operating in Poland.

ERIF’s Register of Debtors task is to gather and make publicly available information about debtors as well as about consumers who make timely payments of their liabilities. The information collected by ERIF Register of Debtors will help reliable payers confirm their financial credibility while to debtors it means problems and is an obstacle to using banking products, loans, installment plans or signing agreements with service providers such as telecoms. Information about payments by their contracting parties may be reported by any company while details of consumer debts may be added by companies from sectors listed in the relevant act of law (among others banks, leasing companies, credit intermediaries, insurance agencies, telecoms, housing co-operatives, etc).

Partners of ERIF Register of Debtors include telecoms, financial institutions and SMEs. Additionally, ERIF Register of Debtors  keeps registers of debtors broken down by sector (transport, fuel, timber) and has been working on the launch of an information exchange system for the construction industry.