Re: Historia kredytowa w PL - Grupy dyskusyjne w eGospodarka.pl

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From: "bradley.st" <b...@g...pl>
Newsgroups: pl.biznes.banki
Subject: Re: Historia kredytowa w PL
Date: Tue, 17 Feb 2009 06:09:15 -0800 (PST)
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On 17 Lut, 08:57, Jacek Erazmus <j...@g...com> wrote:
> Każdy bank ma swój własny system scoringowy ale punkty z BIK-u też są
> brane pod uwagę.
>
> http://www.bik.pl/bik/poradnik/metoda_oceny_punktowe
j

Dzieki za wyjasnienia! Strone BIK przegryzlem juz na wylot, ciekawilo
mnie jak to wyglada w praktyce.

Troche srednio podoba mi sie ta cala "tajemniczosc" BIK - w porownaniu
z mniej wiecej jasnymi zasadami np. FICO, czyli w przyblizeniu:

35% -- punctuality of payment in the past (only includes payments later
than 30 days past due)
30% -- the amount of debt, expressed as the ratio of current revolving
debt (credit card balances, etc.) to total available revolving credit
(credit limits)
15% -- length of credit history
10% -- types of credit used (installment, revolving, consumer finance)
10% -- recent search for credit and/or amount of credit obtained
recently