Sharing information from the Positive credit register as of 1 April 2026

Date of issue: 2/3/2025
Record no.: VH/777/06.00.00/2025
Validity: 2/3/2025 - Until further notice

This document is a summary description of the information shared from the Positive credit register, of the information recipients and of the purposes of use of the information.

The present document does not give detailed instructions on how lenders can request a data permission, transact with the Incomes Register Unit or technically retrieve a credit register extract. Further, the document does not discuss private individuals’ access to their own data or what rights data subjects have under the EU General Data Protection Regulation (GDPR).

You can find information about the above matters in the following instruction documents:

It is not within the competence of the Incomes Register Unit to give instructions on how lenders that are entitled to receive information should use credit register extract data when granting loans.

1 Terminology of the document

Consumer credit refers to a consumer credit or comparable loan to which the provisions of chapter 7 or 7 a of the Consumer Protection Act (38/1978) are applied.

Other than consumer credit refers to a loan, deferred payment or other financial arrangement on which interest or other expenses are collected and which is granted to a natural person but is not a consumer credit as referred to above.

Borrower or debtor means a natural person to whom a consumer credit or other than a consumer credit has been granted. A natural person is always human. A private business operator (business name entrepreneur) is a natural person. Instead, legal persons, such as limited liability companies and general partnerships, are not natural persons.

Loan applicant refers to a natural person applying for a consumer credit or other than a consumer credit.

Lender refers to a business operator that, by agreement, grants or promises to grant a credit to a borrower as a loan, a deferred payment or another financial arrangement on which interest or expenses are collected. Lenders also include businesses that broker a consumer credit granted by a third party to a borrower (peer-to-peer loan broker).

For the purposes of this document, lenders also include operators that have the right or obligation, in a situation other than loan granting, to assess the borrower’s creditworthiness or the obligation to check that the information on the borrower is up to date. Lenders that are entitled to use data shared from the Positive credit register are defined in section 21 of the Act on the Positive Credit Register (739/2022).

Credit register extract refers to a credit information report under the Act on the Positive Credit Register.

2 Confidentiality and disclosure of registered data

2.1 Confidential information and personal data

Pursuant to section 3 of the Act on the Positive Credit Register, the information recorded in the register is confidential, with the exception of the name, Finnish Business ID or foreign business ID of a party with the reporting obligation. Information recorded in the Positive credit register may be disclosed only for purposes laid down in the Act on the Positive Credit Register.

In addition, information may be shared from the register for the following purposes under the Act on the Openness of Government Activities (621/1999, hereafter: Act on Openness):

party’s right of access (section 11)
right of access to a document pertaining to oneself (section 12)
provision of executive assistance, for example (section 26, subsection 3)
processing of advance information, a preliminary ruling or a complaint, for example (section 29, subsection 1, paragraphs 3 and 4).

The information in the Positive credit register is personal data whose processing must comply with the provisions of the Regulation (EU) 2016/679 of the European Parliament and of the Council (General Data Protection Regulation) on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC, and of the Data Protection Act (1050/2018).

When data recorded in the register is processed, the privacy protection and data security requirements, as well as good data processing and data management practices, must be complied with. Data received from the register is subject to the obligation of secrecy and confidentiality, i.e. the data may not be disclosed or used for personal benefit or for the benefit of another (sections 22 and 23 of the Act on Openness).

2.2 Public information

The name, Finnish Business ID and foreign business ID of a party with the reporting obligation recorded in the Positive credit register are public information. Information on lenders that have been approved as notifiers and that have received positive decisions on the establishment of connections is available on the Positive credit register’s website.

Data notifiers

3 Users of the Positive credit register data

Users of the Positive credit register data refer to lenders and authorities that have a legal right to receive information from the register. Data users also include credit information agencies. They can be provided with information on a person’s voluntary ban on credits if the person who set the ban gives their consent.

Credit register extracts provided for lenders are subject to a charge. However, authorities and credit information agencies are not charged for the information shared with them. Chargeability is based on the Act and the Decree on Criteria for Charges Payable to the State (150/1992 and 211/1992, respectively), and on the Ministry of Finance's decree on charges payable for data shared from the Positive credit register (1108/2023). The Ministry of Finance's decree that is in force when a credit register extract is disclosed defines the charge payable for each extract. The decree is in force for a fixed term, and it will be renewed annually.

3.1 Data permission needed to access data

As regards lenders, section 27 a of the Act on the Positive Credit Register states that a precondition for the disclosure of data from the Positive credit register is a decision issued by the Incomes Register Unit on the basis of the lender’s application. Based on the lender’s application, the Incomes Register Unit makes a data permission decision entitling the lender to access information if the preconditions laid down in law for the right of access to data are met and if the lender has provided a sufficient account of the company and its operations, the purpose of use of the data, and of data protection and control of data usage. Being the authority responsible for sharing data, the Incomes Register Unit must see, before sharing any data, that the party requesting data has ensured secure processing of confidential information and personal data requested from the register.

The data permission decision is an administrative decision, to which the provisions of chapter 7 of the Administrative Procedure Act (434/2003) are applied and which can be appealed against under the Administrative Judicial Procedure Act (808/2019). The Incomes Register Unit is entitled to deny access to data or cancel the data permission decision if the preconditions for the sharing of data laid down in the Act on the Positive Credit Register or in other relevant legislation are not met.

The Act on the Positive Credit Register does not separately provide for the data permission procedure of authorities and credit information agencies. However, the register’s data permission procedure also applies to these users of the register’s data.

A lender with a data permission can request data from the register for the purposes specified in the data permission decision. The lender must request changes to the data permission if the purposes of use specified in the data permission decision need to be changed, for example because the lender also grants loans to natural persons other than consumers, or if the lender’s activities change.

3.2 Lenders, and purposes of use of the credit register extract

Section 21 of the Act on the Positive Credit Register lays down provisions on lenders to which the credit register extract data referred to in section 22 can be disclosed, notwithstanding the confidentiality provisions. Further, section 21 of the act also lays down the purposes of use for which the Incomes Register Unit can disclose credit register extract data to lenders. The data may be used only for the purposes laid down in the Act on the Positive Credit Register. The lender is responsible for seeing that the information received from the Positive credit register is used according to law and in line with the data permission.

3.2.1 Use of data in lending

Lenders may use registered data to test a person’s creditworthiness during the lending process.

The Incomes Register Unit does not give advice or instructions on the assessment of creditworthiness, nor does it take a stand on when a lender must request a credit register extract or how old an extract can be used in lending. The use of a credit register extract in the assessment of creditworthiness is supervised by the Consumer Ombudsman and the Financial Supervisory Authority. The legality of the processing of personal data is supervised by the Data Protection Ombudsman.

Additional information about the use of credit register extract data and its purposes of use:

Consumer Protection Act (38/1978) (finlex.fi) (link to Finnish)

Act on Credit Institutions (610/2014) (finlex.fi) (link to Finnish)

Consumer Ombudsman's statement on the provision of consumer credits (kkv.fi) (link to Finnish)

Regulations and guidelines of the Financial Supervisory Authority 4/2018: Management of credit risks and assessment of creditworthiness by supervised entities in the financial sector
Register no. FIVA 10/01.00/2020, Issued 5 March 2018, amended 20 October 2020, valid from 30 June 2021 (finanssivalvonta.fi)

3.2.2 Lenders’ right of access to data

In accordance with section 21 of the Act on the Positive credit register, data can be disclosed from the register to the following operators:

A business operator that is an authorised supervised entity, an entity comparable to an authorised supervised entity or another supervised entity under section 4 of the Act on the Financial Supervisory Authority.

A lender or peer-to-peer loan broker entered in the register of lenders and peer-to-peer loan brokers.

A Finnish branch of a foreign EEA-supervised entity referred to in section 4, subsection 5 of the Act on the Financial Supervisory Authority. The branch may be a branch of a credit institution located in an EEA country or a branch of a credit institution established in an EEA country by a third country.

A foreign supervised entity providing services in Finland without a branch.
Services can be provided without a branch only by such EEA-supervised entities that have an operating licence in another EEA country.

The above operators have the right to receive data in the following situations:

To assess the consumer’s creditworthiness in situations where the lender, under the Consumer Protection Act, is obliged to test the consumer's creditworthiness before a loan contract is concluded or after the conclusion of the contract when the loan principal or credit limit is significantly increased.
To check that the consumer’s data is up to date in situations where, under the Consumer Protection Act, the business operator is obliged to make sure the information on the consumer is up to date when the consumer and the lender agree on increasing the loan principal or credit limit after the loan contract has been concluded.
To assess the consumer’s creditworthiness in situations where the consumer requests a change to the terms of the loan other than raising the loan principal or credit limit and the change requires that the consumer’s creditworthiness should be assessed.
To provide or accept a guarantee or third-party security if it is provided as collateral for the payment of a consumer credit recorded in the register.
To test the debtor’s creditworthiness in order to make a loan contract or increase the loan principal or credit limit if the loan is to be granted to a natural person other than a consumer.
To test the creditworthiness of a debtor who requests a change to the terms of the loan other than raising the loan principal or credit limit, if making the change requires that the debtor’s creditworthiness should be tested and the loan is to be granted to a natural person other than a consumer.
To provide or accept a guarantee or a third-party security if the guarantee or security is provided as collateral for the payment of a loan granted to a natural person other than a consumer and the loan is recorded in the register.

A business operator other than those mentioned in item A that professionally grants loans to natural persons other than consumers to gain income or other financial benefit, except if the operator grants loans in Finland only occasionally or only to offer financing for the purchase of goods or services it sells.

Finnvera, a specialised financing company under the Act on the State-Owned Specialised Financing Company (443/1998).

The above operators have the right to receive data in the following situations:

To test the debtor’s creditworthiness in order to make a loan contract or increase the loan principal or credit limit if the loan is to be granted to a natural person other than a consumer.
To test the creditworthiness of a debtor who requests a change to the terms of the loan other than raising the loan principal or credit limit, if the loan is to be granted to a natural person other than a consumer.
To provide or accept a guarantee or a third-party security if the guarantee or security is provided as collateral for the payment of a loan granted to a natural person other than a consumer and the loan is recorded in the register.

Lenders other than those referred to in items A and B have the right to receive data in the following situations:

To assess the consumer’s creditworthiness in situations where the lender, under the Consumer Protection Act, is obliged to test the consumer's creditworthiness before a loan contract is concluded or after the conclusion of the contract when the loan principal or credit limit is significantly increased.
To check that the consumer’s data is up to date in situations where, under the Consumer Protection Act, the business operator is obliged to check that the information on the consumer is up to date when the consumer and the lender agree on increasing the loan principal or credit limit after the loan contract has been concluded.

3.2.3 Credit register extract’s purposes of use

A lender requesting a credit register extract from the register must specify the purpose of use of the credit register extract. The reported purpose of use must be the actual purpose of use of the extract and it must be in line with the data permission granted to the lender. In the request, the lender must state all the purposes of use for which the credit register extract about a person’s data will be used. Allowed purposed of use include

new consumer credit contract
increase of consumer credit principal or credit limit
change to terms of consumer credit
guarantee or third-party security for consumer credit
new loan contract for a person other than a consumer
increase of the loan principal or credit limit of a loan granted to a person other than a consumer
change to the terms of a loan granted to a person other than a consumer
guarantee or third-party security for a loan granted to a person other than a consumer.

The first four purposes of use apply to consumer credits and loans comparable to them. The last four purposes apply to credits granted to natural persons other than consumers, and they will be introduced in spring 2026.

New consumer credit contract is reported as the purpose of use when the lender is obliged to test the consumer's creditworthiness before concluding a new loan contract with the consumer.

Increase of consumer credit principal or credit limit is reported as the purpose of use when the loan principal or credit limit is raised in proportion to the original loan principal, i.e. the lender needs to reassess the consumer's financial standing or check that the information on the consumer is up to date.

Change to terms of consumer credit is reported as the purpose of use of the extract when the debtor requests a change to the terms of a consumer credit that does not concern an increase of the loan principal or credit limit but requires that the debtor’s creditworthiness should be tested. Such changes include deferments of amortizations, extension of the loan period, changes to instalments and other similar changes to a payment plan, change of collateral, and changes to the reference rate, interest type or margin interest rate.

The change to the terms of the loan must be relevant to the assessment of the consumer's ability to manage their loans. The lender is not entitled to use the Positive credit register’s data when the change is irrelevant or insignificant to the debtor's ability to manage the loan, for example if the due date of a regular instalment is changed. Another precondition is that the debtor themself must apply for a change to the terms of the loan. The lender is thus not allowed to use the Positive credit register’s data on its own initiative: the debtor must have informed the lender that they will seek changes to the loan contract.

Guarantee or third-party security for consumer credit is reported as the purpose of use of the extract when a guarantee or third-party security is provided or accepted as collateral for the payment of a consumer credit recorded in the register. The lender is thus allowed to use the credit register extract data on the guarantor and the provider of a third-party security (pledger) when assessing the acceptability of the proposed collateral and the position of the collateral provider. Lenders may not use the credit register extract data for this purpose if a guarantee or a third-party security is deposited as collateral for a loan granted to a non-consumer.

New loan contract for a person other than a consumer is reported as the purpose of use when the customer’s creditworthiness is tested before the lender concludes a new contract on a loan other than a consumer credit with the debtor.

Increase of the loan principal or credit limit of a loan granted to a person other than a consumer is reported as the purpose of use when the loan principal or credit limit of other than a consumer credit is raised, i.e. the lender needs to reassess the debtor's financial standing.

Change to the terms of a loan granted to a person other than a consumer is reported as the purpose of use when the debtor requests a change to the terms of the loan that does not concern an increase of the loan principal or credit limit but requires that the debtor’s creditworthiness should be tested. Such changes include deferments of amortizations, extension of the loan period, changes to instalments and other similar changes to the payment plan, change of collateral, and changes to the reference rate, interest type or margin interest rate.

The change to the terms of the loan must be relevant to the assessment of the debtor's ability to manage their loans. The lender is not entitled to use the Positive credit register’s data when the change is irrelevant or insignificant to the debtor's ability to manage the loan, for example if the due date of a regular instalment is changed. Another precondition is that the debtor themself must apply for a change to the terms of the loan. The lender is thus not allowed to use the Positive credit register’s data on its own initiative: the debtor must have informed the lender that they will seek changes to the loan contract.

Guarantee or third-party security for a loan granted to a person other than a consumer is reported as the purpose of use when a guarantee or third-party security is provided or accepted as collateral for the payment of a loan other than a consumer credit recorded in the register. The lender is thus allowed to use the credit register extract data on the guarantor and the provider of a third-party security (pledger) when assessing whether the proposed collateral or collateral provider is acceptable. Lenders may not use the credit register extract data if a guarantee or a third-party security is deposited as collateral for a loan granted to a borrower other than a natural person, such as a limited liability company. If a guarantee or third-party security is provided as collateral for the payment of a consumer credit recorded in the register, the purpose of use to be used is ‘Guarantee or third-party security for consumer credit’.

3.2.4 Other allowed purposes of use of the credit register extract

Data received from the Positive credit register may be used only for the purpose for which it was shared from the register. In addition, however, data disclosed from the register at an earlier date may also be used for the purposes specified below.

Sharing data with the State Treasury

The lender may share data it has received from the Positive credit register with the State Treasury when applying for compensation under the Act on State Guarantees for Owner-Occupied Housing Loans (204/1996) (section 21, subsection 3 of the Act on the Positive Credit Register).

Sharing data with the guarantor and the third-party security provider

The lender may share data it has received from the Positive credit register with the guarantor and the pledger when carrying out its duty to inform under sections 12 and 14 of the Act on Guaranties and Third-Party Pledges (361/1999, hereafter: Act on Guaranties) or if the person concerned has given their consent that the data may be shared with the guarantor or the pledger.

According to section 12 of the Act on Guaranties, the lender must inform the guarantor, before the guarantee is provided, of such issues relating to the principal debt covered by the guarantee that have a material impact on the guarantor's position, as well as of the debtor's obligations and other circumstances relating to the debtor's ability to pay that can be deemed to be of interest to the guarantor.

According to section 14 of the Act on Guaranties, the guarantor has the right, during the period of validity of the guarantee, to ask the lender for information on the debtor's obligations and other circumstances relating to their ability to pay that can be deemed to be of interest to the guarantor. On the guarantor’s request, the lender can thus also share data received from the Positive credit register. However, the duty to inform under section 14 of the Act on Guaranties applies only to information that the lender knows of and that the lender can share with the guarantor without taking any separate action.

The guarantor can ask the lender to share only such information received from the Positive credit register that the lender is entitled to receive from the register. The lender may share with the guarantor information it has received from the register during the credit relationship in situations related to the issuing of a loan or changing of a loan contract. The lender does not have the right to acquire information from the Positive credit register separately on the guarantor’s request, because such a purpose of use is not laid down in law.

According to section 41 of the Act on Guaranties, the lender’s duty to inform mentioned above also concerns providers of third-party security, so the lender has similar obligations towards security providers.

Meeting the obligations related to credit risk management

The lender may use the information on loan applicants received from the Positive credit register for purposes of testing creditworthiness to meet its obligations. These obligations are laid down in law and they relate to credit risk management. However, such use of data concerns only lenders that are subject to credit risk management obligations laid down elsewhere in law.

Further information on other purposes of use

Act on State Guarantees for Owner-Occupied Housing Loans (204/1996) (finlex.fi) (link to Finnish)

Act on Guaranties and Third-Party Pledges (361/1999) (finlex.fi) (link to Finnish)

3.2.5 Lender’s obligation to provide information

A lender using the Positive credit register’s data must ensure that a natural person can receive information in advance on the use of their data and on the register from which the data is acquired.

If the lender rejects the applicant's credit application on account of the information received from the Positive credit register, it must inform the applicant immediately after the decision that the applicant’s loan information was used in decision-making and also specify the register from which the information was received.

3.3 Authorities

The Positive credit register can share information with the following authorities for purposes of the authorities’ statutory tasks: the Bank of Finland, the Financial Stability Authority, the Financial Supervisory Authority, the Consumer Ombudsman, the Finnish Competition and Consumer Authority, and Statistics Finland. The authorities use the data, for example, to supervise and monitor the stability of the financial markets, to support and monitor the credit markets, and to support decision-making and compile statistics.

The information that the register shares with authorities differs from the data shared with lenders in credit register extracts. The information that the Positive credit register shares with authorities has been defined in accordance with each authority’s needs and purposes of use such that only information that is necessary for the statutory tasks of the authority in question is shared.

The register can share a voluntary ban on credits set by a private individual with credit information agencies. A natural person can set a voluntary ban on credits for themself in the Positive credit register’s e-service. The credit ban can be set for a fixed term or for an indefinite period. The person must also select a reason for the credit ban: a risk of identity theft, control of personal finances or other reason. If the loan applicant has a voluntary ban on credits, the lender knows to consider the lending with special caution and care.

The person can give their voluntary and specific consent that information about their voluntary ban on credits can be shared with credit information agencies. If the person gives their consent, information about the credit ban can be shared with all credit reference agencies. Currently, there are two agencies in Finland that conduct credit information business and process people's credit information: Dun & Bradstreet Finland Oy and Suomen Asiakastieto Oy. The Positive credit register refers to these agencies as ‘credit information agencies’.

Information on a voluntary ban on credits is not automatically transmitted from the Positive credit register to credit information registers referred to in the act on credit information (Luottotietolaki 527/2007): in order that the information could be shared, the natural person must take active action. The person can withdraw their consent at any time. Credit information agencies can record the information in a register referred to in the act on credit information and pass it on for purposes provided for in section 19 of the said act. Such purposes include, for example, lending of property, apartment rental, debtor's payment behaviour survey, inquiry for purposes of recovery, employment, and company assessment.

Further information about credit information agencies:

Act on credit information (Luottotietolaki 527/2007) (finlex.fi) (link to Finnish)

Dun & Bradstreet Finland Oy (dnb.com)

Suomen Asiakastieto Oy (asiakastieto.fi)

4 Credit register extract data

Data included in a credit information report according to section 22 of the Act on the Positive Credit Register is shared from the register with lenders. The Positive credit register uses the term ‘credit register extract’ for the credit information report referred to in the act.

The credit register extract is a summary of the information on a private individual saved in the Positive credit register. The information to be included in the credit register extract is defined in section 22 of the Act on the Positive Credit Register and listed in this section. Only information provided for in the act can be included in the credit register extract. Data on loans that have ended is not included in the extracts. Further, the credit register extract does not contain any history information about transactions related to current loans, such as information on deferments of amortizations, previous delayed amounts related to the loan or a private individual’s debt arrangement related to the loan. The information content of the extract is the same for all lenders that have the right to receive information from the register. The extract sent to a lender contains the most recent information on the individual’s loans that has been submitted to the register.

The credit register extract contains information on a private individual’s loans and income. If the person has set a voluntary ban on credits, this is also indicated in the extract. The income data, i.e. information about the wages, pensions and benefits paid to the individual, is received from the Incomes Register. The income data is separated into wage data and benefits payment data in the extract. The income data is shown as monthly income for the past 12 full months.

According to Article 18 of the General Data Protection Regulation, a data subject can request restriction of the processing of their data if they deny the accuracy of the data. However, according to section 25 of the Act on the Positive Credit Register, data can be disclosed for purposes laid down in sections 21 and 24 of the act even if the data subject has denied the accuracy of the data and requested that the use of the data should be restricted.

If the person has denied the accuracy of the loan information on the basis of Article 18 (1)(a) of the EU General Data Protection Regulation and requested that the processing of their information should be limited, this is indicated in the credit register extract. Despite the limitation request, the information is included in the extract. However, the lender will be notified that some data included in the extract should be treated with extra caution and care and be compared with information from other sources, such as the person themself. This indication is shown in the extract until the Incomes Register Unit has verified the accuracy of the data.

4.1 Up-to-dateness of the data

The data in the credit register extract does not necessarily show a person’s situation in real time. Both loan data and income data may contain inaccuracies. This is because the data is shown both in the Positive credit register and in the Incomes Register with a certain delay. The delay is due to the reporting deadlines defined by law.

The lenders’ deadlines for reporting loan data to the register are the following:

information on new loan contracts: no later than on the calendar day following the date of contract conclusion.
loan transactions and changes to loan contract data: within two business days.
- This information includes, for example, amortizations, delayed amounts related to the loan, and end of the loan contract.

Income data for the credit register extract is retrieved from the Incomes Register. Payers must report data on wages and benefits to the Incomes Register within five calendar days of the date of payment. An exception to this is payers reporting data on paper instead of using the electronic reporting channel. For them, the deadline for reporting is eight instead of five calendar days from the date of payment.

4.2 Data included in the credit register extract

Identifying data

personal identity code of the individual whose data the register extract contains
identifier of the organisation that requested the extract.

Voluntary ban on credits

If the person has a voluntary ban on credits in effect, the ban and the reason for it are indicated in the extract.

Summary of loan information

number of lenders and peer-to-peer loan brokers that have issued or brokered loans to the person
number of loan contracts that the person has
most recent loan-related payments in total, itemised by currency (each loan’s most recent amortization, interest payment or expense amount added together)
total monthly payments related to leasing contracts, itemised by currency (including interest and expenses)
number of loans where the person is a guarantor.

Loan details

loan type: lump-sum loan, running-account loan, guarantee receivable for a student loan or leasing
date of conclusion
number of debtors
loan currency
information whether collateral is included in the loan contract; if yes, the type of collateral
- residential property, other immovable property, hire-purchased item, other movable property, other collateral, personal guarantee, government guarantee or other guarantee
the start and end dates of current and future deferment periods
due dates of instalments that are at least 60 days late, and unpaid instalment amounts
information about loan acceleration
information that the borrower has denied the accuracy of loan information
information that the loan issued to the borrower is included in a payment plan in a debt arrangement
information that the loan issued to the borrower is included in a business restructuring program
if a loan has been granted for business activities and a Business ID has been reported for the loan:
- the borrower’s Business ID
- the borrower’s business name
if the loan type is leasing:
- start date of the leasing contract if the date is not the same as the date of conclusion
- transaction price if redemption is required by the contract
if the loan type is lump-sum loan or guarantee receivable for a student loan:
- loan’s purpose of use
  - home loan, home loan for first home, home loan for leisure house, home loan for investment purposes, student loan, consumer credit for the purchase of a vehicle or craft, other consumer credit, other loan, loan for operation of business, or guarantee receivable for a student loan
- final due date of the payment plan
- amount issued and amount paid
- loan balance
- amortization frequency (given in months, e.g. 1, 3 or 6)
- payment method if the loan is to be paid as a lump sum (bullet) or if the last instalment is notably larger than the regular instalments (balloon)
if the loan type is running-account loan:
- credit limit
- amount of loan balance and the value date when the loan balance was checked.

If the loan is included in a payment plan in a debt arrangement or in a business restructuring program, this will have an effect on what information is shown in the credit register extract. The loan amounts, number of lenders and amounts of guaranteed loans are included in the summary, but amortizations are not included in the sum total of the most recent payments. Other loan data is not shown in the register extract. The above, more limited information is also shown in the extract if the loan has several co-debtors and one of them is in a payment plan in a debt arrangement or in a business restructuring program.

The loan data in the extract also shows if the borrower has denied the accuracy of the data.

Income information

The credit register extract shows the person’s income reported to the Incomes Register for the past 12 calendar months.
- Only information on full calendar months is shown, i.e. the ongoing month’s information is not included.
The income data can only include income that has been reported to the Incomes Register.
- For example, income, grants and most capital income received by a business name entrepreneur are not reported to the register. Further, the entrepreneur’s income from employment is not reported if they are insured under the Self-Employed Persons’ Pensions Act or Farmers’ Pensions Act.
- If no income has been reported to the Incomes Register for a person, the credit register extract shows that their income is €0 a month.
- Read more on the Incomes Register's website about what income data and what benefits payment data payers must report to the Incomes Register.
In the credit register extract, the income is separated into wages and benefits and further into gross and net income by month. The income or benefit payer is not shown.
- Wages are considered to include other income types reported to the Incomes Register except tax-exempt kilometre allowances, meal allowances and daily allowances.
- Benefits are considered to include almost all benefits reported to the Incomes Register. The benefits are not itemised but all benefit amounts are added together.

If a person is added to the loan as a borrower after the loan has been reported to the register, it will affect what information is shown in the credit register extract: only the loan information valid when the person is a party to the loan is shown in the extract.

The following information is not shown in the extract at all:

the deferments of amortization that are no longer valid or that end on the same day as the person is added to the loan
the start date of a deferment period if the person has been added to the loan only after the period has started
the date of conclusion if the person has been added to the loan only after the contract conclusion
the amount issued and the amount paid if they did not change when the person was added to the loan and have not changed after that, either
the amount drawn against a running account and the value date if they did not change when the person was added to the loan and have not changed after that, either
the start date of a leasing contract if the person was added to the loan after that date.

Payment transactions are also not included in the sum total of the latest payments if their date of payment is earlier than or the same as the date when the person was added to the loan.

If a person does not have any active loans, i.e. loans reported to the Positive credit register but not reported as ended, the number of loans and the number of lenders that have issued loans are both 0. In addition, the extract shows the number of loans guaranteed by the person, the person’s income data and any voluntary ban on credits.

If the person has died, the lender that requested the credit register extract will only be notified that the person had died and given the date of death.

Page last updated 2/3/2025