Acting on behalf of another person

What does an authorisation allow you to do?

An authorisation allows you to act on behalf of another person in the register’s e-service. For example, you can view the details of the assignor’s loans, impose a voluntary ban on credits for them or remove it, and view the credit register extracts ordered of the assignor’s data.

Please note, however, that:

• Even if you have already authorised someone else to act on your behalf in matters such as tax affairs, they need a separate authorisation to the Positive credit register.
• Persons aged under 18 years cannot authorise others to act on their behalf.
  • However, the guardians of a person under the age of 18 can view information about their minor child’s loans in the register’s e-service.
• A public guardian does not need a separate authorisation to act on behalf of their client in the register’s e-service.

What kind of authorisations can be granted to the register?

The Positive credit register has two kinds of authorisations:

• Viewing credit information and setting a voluntary ban on credits. With this authorisation you can:
  • view the details of the assignor’s loans, guarantees provided by them and credit register extracts ordered of their data
  • set, edit or remove a voluntary ban on credits
  •  give or withdraw the consent regarding the sharing of information on the credit ban with credit information companies
  • allow or disallow the sending of Suomi.fi notifications of credit register extracts ordered.
• Exercising data protection rights related to the processing of personal data. With this authorisation you can:
  • find out whether we process the assignor’s personal data and request a copy of the personal data we process (Article 15 of the EU General Data Protection Regulation)
  • request the rectification of incorrect and/or inaccurate personal data (Article 16 of the EU General Data Protection Regulation)
  • request the restriction of the processing of incorrect personal data (Article 18 of the EU General Data Protection Regulation)

Read more about your data protection rights regarding the processing of personal data.

How can I authorise another person to act on my behalf?

You can authorise another person to act on your behalf in the Suomi.fi e-Authorizations service. This is how to proceed:

• Go to the Suomi.fi website and open the section e-Authorizations.
• Identify yourself in the service using strong identification, either with a mobile certificate, online banking codes or a certificate card.
• Select act as yourself
• Select go to Suomi.fi e-Authorizations
• Search for the authorisation mandate, for example, by searching for it in the search section by the name of the authorisation:
  • Viewing credit information and setting a voluntary credit ban
  • Exercising data protection rights related to the processing of personal data
• You can grant an authorisation for both selectable authorisations or only for one of them.
• The authorisation is valid from the date you select as the start date.

Once you have granted the authorisation, the person authorised by you can log in to the register's e-service and act on your behalf by selecting “Act on behalf of another person”.

How do I request an authorisation?

You can also request an authorisation from another person to act on their behalf in the credit register’s e-service. This is how to proceed:

• Go to the Suomi.fi website and open the section e-Authorizations.
• Identify yourself in the service using strong identification, either with a mobile certificate, online banking codes or a certificate card.
• Select act as yourself
• Select go to Suomi.fi e-Authorizations
• Under the heading “Personal mandates” you will find the button “Grant or request mandates”. Click the button.
• Select request mandates
• Fill in the details of the individual from whom you want to request the authorisation mandate and continue as indicated by the service.

The service sends a mandate request to the individual on whose behalf you have requested to be authorised to act. Once the person has accepted the request you submitted, you can log in to the register's e-service and act on the person’s behalf by selecting “Act on behalf of another person”.

What should I do if I cannot grant an e-authorisation?

If you do not have personal online banking codes, a mobile certificate or a certificate card, you can request an authorisation with an application.

You can find more detailed information on the application and its terms on the page Authorisation with an application on the Suomi.fi e-Authorizations website.

How do I act on behalf of a minor?

Guardians can act on behalf of their child who is under the age of 18 in our e-service without any separate authorisation. Do the following:

• Log in to our e-service.
• Select Act on behalf of another person

Please note that you cannot set, edit or remove a voluntary ban on credits for a minor in the e-service. You can only set a credit ban on a minor using a paper form. You must also use a paper form to edit or remove the ban.

Read more about voluntary ban on credits:

• Voluntary ban on credits
• How do I set or remove a credit ban for a minor?