Historia kredytowa jest to zbiór danych dotyczący działania i zaległości finansowych osób fizycznych i przedsiębiorstw. Informacje te są wykorzystywane przez instytucje takie jak BIK, które na ich podstawie tworzą modele statystyczne i określają zdolność kredytową potencjalnego kredytobiorcy. Pozytywna historia kredytowa, czyli taka w której nie występują zaległości w spłacie zadłużeń, zwiększa szanse na uzyskanie kredytu czy pożyczki.
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