Thanks to ERIF Register of Debtors, good payers may enjoy a cheaper and faster access to a number of services, including loans, Internet or telephone services. We wish to draw your attention to several simple, inexpensive and sometimes even completely free ways to reduce financial risk in your everyday life and to actively improve your credibility in your relations with service providers and lenders.

It can happen that you failed to pay some of your liabilities on time and you suspect that information about the debt has been reported to the ERIF Register of Debtors. If you want to pay an account that has been in arrears or find out what kind of data about you are registered in the database you can apply to ERIF Register of Debtors for disclosing credit information and get access to the register of inquiries about your credit history.

When you are looking for a job or receive an employment offer you want to be sure that your hard work will be rewarded on time. In such situations it is worthwhile to use a simple one-off service consisting in checking whether the given entity is registered with the ERIF Register of Debtors. Thanks to the service, you will receive information about any possible past due accounts of the verified company. It is worth stressing that, in accordance with the legislation currently in force, ERIF’s Register of Debtors database includes only those entities which have not repaid their debts despite previous written default notices.

As the credit information market is gaining sigificance in Poland, a more and more important role is played by positive information, i.e. information about liabilities paid on time. Information about bills paid in a timely manner or regularly repaid loan instalments may also be registered in ERIF Register of Debtors. For this to be possible, the following conditions must be satisfied:

• the liability must be extinguished (loan repaid, bills paid);
• reporting the details of the extinguished liability to ERIF Register of Debtors must be requested in writing from the creditor. The request must be made before the lapse of 12 months from fulfilling the liability or during the period of debt repayment;
• the addressee of the request must have a credit information reporting agreement signed with ERIF Register of Debtors.

After the above conditions have been satisfied, the addressee of the letter is legally bound to comply with the request. Positive credit information enables easier access to telecommunication services, banking services and other services where customer’s confirmed credibility is required.