Changes on the BIK account. From June 28, scoring will be calculated in a new way

▤ Summary

BIK is changing how it calculates credit scoring starting June 28, 2026. The new model will include non-bank loan activity and will ignore credit applications that do not end in a loan. BIK will also automatically delete credit application data after 14 days, which appears tied to consumer protection scrutiny from UOKiK. The update adds three new creditworthiness indicators and a redesigned credit report. This matters for lenders, fintech vendors, and analytics partners working with credit decisioning or credit data workflows.

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