National Debt Register

The National Debt Register is the basic source of economic information and the ability to exchange data between individuals, institutions and enterprises. TRDR BIG  is a company dealing in the collection, storage and sharing of data on the financial situation of consumers and companies, both those with debts for which it can reach the debtors’ database and on timely repayments. Information to the TRDR can be provided by:

The TRDR abbreviation is often misread as the National Debtors Register .

However, the correct company name is National Debt Register . This is the first economic information office in Poland, which has been operating since 2003. With a database of TRDR downloaded more than 163 000 000 reports. TRDR has already recovered USD 51,500,000,000 for its clients.

The TRDR’s activities are regulated by the Act of 9 April 2010 on the provision of economic information and the exchange of economic data.The only option is to pay the debt or settle an unpaid bill . If this happens, the creditor will delete the entry in the TRDR. It has a maximum of 14 days from the date of repayment. Then the office has 7 days to remove it and it will be after that time that you will be removed from the TRDR. 

TRDR – what does it do?

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At the thought of the TRDR, millions of Poles tremble who are in arrears with any payment. Let’s agree, this abbreviation is not very well associated, although in fact the office takes many positive actions.

The TRDR base is the so-called black list of debtors who, due to their negative credit history, are refused if they apply for payment in installments, a credit card or granting a payday loan or cash loan. It is here that banks and some loan companies check information about their potential customers.

National Debt Register – who can enter you in the TRDR?

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However, the institutions do not only provide negative information about your payments and financial obligations. The TRDR also has positive information that increases your credibility in the eyes of financial institutions. If you do not see your repayments and transactions on time in the database, then make sure that they are there.

The National Debt Register has been created for both enterprises and private individuals in order to reduce the risk of cooperation with an unreliable company or client.  It also works the other way around – any companies and service providers that you want to become customers can check on you. All they have to do is download the appropriate report to view information about your financial history.