Effectively building credit history in BIK for creditworthiness assessment

Your scoring in the Credit Information Bureau (BIK) is your business pass. An empty BIK account is just as bad for a bank as debts. Building an image of a reliable payer takes months: minor installment purchases or a credit card paid on time. Creditworthiness is worth its weight in gold, which is why it is so crucial to invest the money received from the bank entirely into a direct-market property, without burning loan capital on commissions.