ERIF Register of Debtors – what is it and how can it be found?

ERIF Register of Debtors – what is it and how can it be found?

The ERIF Register of Debtors is one of the Economic Information Bureaus operating in our country. The purpose of its operation is to increase the security of financial transactions concluded by participants of business transactions.

In the article we will tell you how to get to the “black list” of the ERIF register. We will also answer the most frequently asked questions about it.

Economic information

office established and operating on the basis of the provisions of the Act of 9 April 2010 on the provision of economic information and the exchange of economic data (Journal of Laws No. 81, item 530, as amended), in accordance with the Data Management Regulations of December 21, 2010, approved by the Minister of Economy after obtaining a positive opinion of the Inspector General for Personal Data Protection.

How does the ERIF Register of Debtors increase the security of transactions?

Persons who fail to meet their financial obligations may be entered by creditors in the register of debtors. If a dishonest contractor tries to conclude another transaction, sign a commercial contract or take out a loan, his efforts may fail. Provided, of course, that the other party to the contract will verify the resources of the ERIF debtors register, finding out about the dishonesty of the potential partner (client).

Who can be included on the “black list”?

The following can be entered on the black list of the ERIF Register of Debtors:

  • a natural person if his debt is at least PLN 200 gross
  • a company if its debt is at least PLN 500 gross.

In order for the debtor to be blacklisted, it must be at least 60 days late.
A month before the planned entry, there should also be a request for payment to the debtor. Its a necessary condition to enter the debtor’s details into the register of ERIF BIG SA debtors

Can I get to ERIF only for delays in repayment of loans or credits?

No. Not everyone knows that the “black list” can be hit without making payments to insurance companies, internet providers, telephony operators, housing associations and cooperatives or electricity suppliers on time.

Who can access the ERIF Debtors Register database?

Who can access the ERIF Debtors Register database?

  • Access to the database can be obtained by both private individuals and companies.
  • If as a private person you want to generate a report about yourself or check the credibility of a business entity, register on the dedicated website
  • By using the site you will be able to check information about yourself once every six months. You will also get access to the query register.
  • If you run a business, represent a corporation, institution or local government unit, it is recommended to sign a contract specifying the terms of cooperation.
  • If you want to take full advantage of the service, signing the contract will be necessary.