negatywna historia kredytowa
rachunki z negatywną historią kredytową

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Note added at 19 mins (2015-03-14 19:18:33 GMT)
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A derogatory item is considered negative, and typically indicates a serious delinquency or late payments. Derogatory items represent credit risk to lenders, and therefore, are likely to have a substantial effect on your ability to obtain new credit.

Public record items, such as bankruptcies, tax liens, and judgments also are considered derogatory. Other examples of derogatory credit items include collection accounts, charge-offs, and accounts that are settled for less than the full balance.

While some lenders still may be willing to extend credit to someone with derogatory items on their report, they may do so with less than favorable terms, such as higher interest rates or fees.
http://www.experian.com/blogs/ask-experian/2014/11/30/what-t...

Jeszcze inne pomysły:
2) zdarzenia wpływające na obniżenie wiarygodności kredytowej
3) zdarzenia obniżające ocenę wiarygodności kredytowej/obniżające wiarygodność kredytową

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Note added at 22 mins (2015-03-14 19:21:57 GMT)
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http://www.proz.com/kudoz/english_to_polish/finance_general/...
http://www.proz.com/kudoz/english_to_polish/finance_general/...

W polskim BIKu tak to się nazywa

zobowiązania przeterminowane / podsumowanie zobowiązań przeterminowanych
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A derogatory item is considered negative, and typically indicates a serious delinquency or late payments. Derogatory items represent credit risk to lenders, and therefore, are likely to have a substantial effect on your ability to obtain new credit.
http://www.experian.com/blogs/ask-experian/2014/11/30/what-t...

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Note added at 2 hrs (2015-03-14 21:19:24 GMT)
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https://www.google.pl/?gfe_rd=cr&ei=0aUEVZHALJT95QaajID4DQ&g...

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Note added at 12 hrs (2015-03-15 07:22:57 GMT)
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Raport BIK
Szczególną uwagę powinniśmy zwrócić na osobną tabelę zawierającą podsumowanie zobowiązań przeterminowanych. Każdy zapis w tym miejscu to potencjalny problem w uzyskaniu kredytu.
http://www.bankier.pl/wiadomosc/Jak-wyglada-i-jak-czytac-rap...
https://www.pkobp.pl/media_files/4b55b509-81b5-4aef-bf34-7b3...

informacje dotyczące windykacji/egzekucji

Derogatory public records include foreclosures, court judgments, wage garnishments, tax liens and bankruptcies. Most derogatory public records stay on a credit report for seven years. A Chapter 7 bankruptcy sticks around for a full decade. If you don’t pay a tax lien, it can show up on a credit report forever. Generally, you can’t get negative public records removed early unless they appear on a credit report by mistake. Check your credit report periodically. You can get free reports from the Annual Credit Report website, which is the Federal Trade Commission’s authorized provider. If incorrect information is listed, file a dispute with the credit reporting agency to have it deleted. Although you may be stuck with this adverse information for seven years or more, time works in your favor. The MyFICO website says that as negative items age, they count less against your credit score.
http://www.ehow.com/facts_5175762_derogatory-public-record-m...

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Note added at 13 hrs (2015-03-15 08:00:17 GMT)
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The recency of a derogatory public record (such as a bankruptcy or tax lien) or collection is a powerful predictor of future payment risk. Satisfying the public record or paying off the collection will not remove the item from your credit report. It will still be considered by your FICO® Score.
http://www.fmfcu.org/loans/creditscore/FICO Score Open Acces...

Derogatory
A negative reference appearing on credit reports, such as public records and severe delinquencies. An account gets a derogatory status when the consumer repeatedly fails to make the required payments and the account is turned over for special handling, such as collections, charge-off, repossession, etc.
https://creditier.com/credit-education/the-credit-glossary/

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Note added at 13 hrs (2015-03-15 08:04:37 GMT)
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https://help.equifax.com/app/answers/detail/a_id/170/~/derog...

derogatory information
An information in a credit report which lenders may legally use to justify refusal of a loan request. Derogatory information includes records of late loan payments, bankruptcies or charged off loans and it remains on record for seven years and in case of bankruptcy, ten years. Such information lowers credit score and impairs a person's ability to receive credit.
http://www.businessdictionary.com/definition/derogatory-info...

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Note added at 13 hrs (2015-03-15 08:06:01 GMT)
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W polskim BIKu jest: Windykacja - kod statusu W / Egzekucja - kod statusu E
http://www.zadluzenia.com/artykul/98,komornik-bik/

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Note added at 13 hrs (2015-03-15 08:29:04 GMT)
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Albo krótko informacje negatywne
https://www.google.pl/?gfe_rd=cr&ei=uEIFVYalFMrD0wWAuoD4DQ&g...