Credit reports

Upload a report and analyse what you owe.

You upload a PDF report from the Polish credit bureau (BIK) and the app reads your liabilities, history and credit enquiries out of it.

The file is read in your browser

Same as receipts. A credit report is the most detailed record of your financial history that exists — the reading happens on your device, and only the values you confirm reach the server.

Checking the reading

Once read, you will see a summary to verify: the number of liabilities, total debt, total monthly payments. It is worth comparing those against the summary printed in the report itself — if they match, the reading is correct.

Every item can be corrected before saving.

What the analysis shows

• the total of monthly payments, the number that decides your borrowing capacity,
• what share of your income that takes, if you have recorded any,
• a breakdown by creditor,
• the number of credit enquiries.

We describe how to read the report itself in How to read a credit report.