Check your credit record

A credit record extract tells you what payment default entries you have and how long they are in effect.

You have the right to check your credit record for free once a year (section 30 of the Credit Information Act, 11 May 2007/527, or the EU General Data Protection Regulation). Additional checks are subject to a fee set by the controller. In Finland, credit data files are maintained by Suomen Asiakastieto Oy and Bisnode Finland Oy (note: Bisnode is now part of Dun & Bradstreet and currently uses both brand names).

• Check your credit record at Suomen Asiakastieto Oy (in Finnish)
• Check your credit record at Bisnode Finland Oy (in Finnish)

Voluntary ban on credits

You can impose a credit ban on yourself to make it more difficult to take out new loans. A self-imposed credit ban helps you stop a debt cycle. It also prevents others from taking out loans using your identity and in your name if you suspect that your personal data has been misplaced.

A voluntary ban on credits can be set via the e-services of the Positive credit register. Editing and setting a ban on credits is free of charge. You can choose whether the ban is indefinite or temporary.

You can also prohibit the disclosure of your data by notifying the Digital and Population Data Services Agency (formerly the Local Register Offices). It is possible to add a ban on direct marketing, a ban on the disclosure of contact information, and a ban on updating customer registers to your record. For more information on the bans mentioned above, contact the Digital and Population Data Services Agency.

More information

Have you been subjected to a data breach or a data leak? (suomi.fi)

You can prohibit the disclosure of your data on the Digital and Population Data Services Agency website.