Credit in Spain. Credit reports: credit scores in different countries.

3/31/2026

Before beginning the analysis, we will request a credit report from the Credit Information Bureau for clients in Poland, as well as equivalent reports for Polish nationals working abroad, such as the Experian credit report.

It is true that Spanish banks do not have the tools to consult Polish databases, but the credit report is one of the factors that enables you to secure favourable credit terms. The quality of the service influences the granting of credit in Spain.

Verification of the BIK report or credit score from other European countries.

Credit in Spain. Credit reports: credit scores in different countries.

What credit reports do Poles and residents and citizens of other countries submit when applying for credit in Spain?

Depending on where their income is earned (country), Poles, in addition to the traditional BIK report from the Credit Information Bureau, also submit credit reports according to the country in which their income is earned:

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