Full definition
KRD (Krajowy Rejestr Długów Biuro Informacji Gospodarczej S.A.) is the largest Polish BIG (economic information bureau), operating under the Act of 9 April 2010 on sharing commercial information. Unlike BIK (which tracks only credit obligations), KRD registers debts from any source: telecoms, utility providers, alimony, B2B invoices, court-imposed fines. An entry can be made by a creditor when the debt is at least 30 days overdue and a payment demand has been sent. Removal requires the debt to be paid — the creditor must then delete the entry within 14 days. Other Polish BIGs: ERIF BIG, BIG InfoMonitor.
Concrete numeric example
An unpaid 450 PLN telecom invoice + 30 days of delay → telecom may add the debt to KRD. Consequence: ~80% of Polish banks will refuse any cash loan and 100% will refuse a credit card. Removal follows 14 days after payment.