How do I view my credit register extracts?

If you want to view credit register extracts available in the Positive credit register, do as follows:

• Log in to our e-service.
• Select Check the credit register extracts.

You can find the credit register extracts requested about your data under Credit register extracts requested by lenders at the bottom corner of the Credit register extracts page.

• Please note that you will see a credit register extract in the e-service only if a lender has requested a credit register extract about your data.
• If you do not find any credit register extracts in the e-service, no credit register extracts have been requested about your data yet.

On the front page of the Check the credit register extracts section, you will find an overview of your credit register extracts:

• You will see when an extract was requested, the name of the lender that requested the extract, and the purpose of use of the extract (such as ‘New consumer credit’).
• If the requester has selected several purposes of use for the credit register, you will the text ‘Several purposes of use’.

Please note that a credit register extract does not contain all the information that you can see about your loans in the e-service. Only limited information is shared with lenders. When a credit register extract is created, it contains up-to-date information about:

• your loans
• guarantees you have provided
• your income data reported to the Incomes Register
• your voluntary ban on credits (if any).

Under Credit register extracts requested by lenders, you can view the credit register extracts requested about your data more closely.

• Click the line of the extract that you want to examine.

A new page will open, where you can see:

• Request details
  • requester identifier, i.e. Business ID of the lender that requested the extract
  • extract reference, i.e. a number series unique to the credit register extract
  • purpose of use of the extract, which specifies the purpose for which the extract was requested. More than one purpose of use may have been reported.
• Extract details
  • your personal details, such as personal identity code or Business ID
  • when the extract was requested
  • information about your voluntary ban on credits (if any)
  • summary of your loans recorded in the register.
• Income data shared with lenders
  • your income data reported to the Incomes Register.
  • On the Credit register extract page, read more about the criteria based on which income data is included in the credit register extract.

On the Credit register extract page, you will find detailed information about what data is disclosed on credit register extracts. 

Only lenders with valid data permissions can request credit register extracts about your data. An extract can be requested only in the following situations:

• you are applying for a new loan
• you are applying for an increase of the loan principal or credit limit
• you request a change to the terms of the loan other than raising the loan principal or credit limit and the change requires creditworthiness assessment
• you are providing a guarantee or third-party security for a loan reportable to the register.

On the Credit register extract page, read more about when credit register extracts can be requested.

If you use Suomi.fi messages, you will receive a notification from the Positive credit register when a lender requests a credit register extract about your data.

By default, notifications are enabled. If you have disabled notifications, you will not receive a notification about extracts requested. To check whether notifications are enabled or to disable them, do as follows:

• Log in to our e-service.
• Select Check the credit register extracts.

At the beginning of the Credit register extracts section, you can find Notifications about requested credit register extracts through Suomi.fi Messages.

• If notifications are enabled, you will see the text ‘Notifications are enabled’.
• If notifications are disabled, you will see the text ‘Notifications are disabled’.

If notifications are disabled, you can enable them as follows:

• Click the Enable notifications button.
• Confirm by clicking the Enable notifications button again.
  • After this, the text ‘Notifications are enabled’ is shown in the section.

If you want to disable notifications, do as follows:

• Click the Disable notifications button.
• The system will ask you to confirm that you want to disable notifications.
• Confirm by clicking the Disable notifications button.
  • After this, the text ‘Notifications are disabled’ is shown in the section.

Read more about notifications on our website at Notification about requested credit register extracts.