Your data in the register
Lenders report to the register your:
- home loans
- car loans
- consumption loans
- credit cards
- student loans
- hire-purchase financing.
Starting 1 December 2025, lenders will also report loans granted to natural persons other than consumers to the register. Such loans include
- loans granted to business name entrepreneurs
- loans granted to agricultural or forestry operators.
The above loans will appear in the register gradually as lenders report data to the register. All the above loans must be reported by 31 March 2026.
Lenders also report to the register
- amortizations you have paid
- information that your loan has ended.
The register does not have information on any payment default entries you may have. However, if your loan instalment is more than 60 days late or your loan has been accelerated, the lender will report the information to the register.
Learn more about what information about your loans is reported.
When you apply for a loan
Lenders must check your data in the Positive credit register when you apply for a loan. For this purpose, the lender will request a credit register extract. The lender will use the credit register extract to test your creditworthiness.
Who can use loan data and for what purposes?
Lenders may use loan data only for specified purposes. This is prescribed by law (Act on the Positive Credit Register 739/2022).
Lenders may request a credit register extract only when:
- you are applying for a new loan
- you are requesting a change to your loan contract that requires testing of creditworthiness
- you intend to guarantee another person’s loan.
As a loan applicant, you cannot forbid the lender from requesting your data.
Not just anyone can use loan data. For example, landlords do not have the right to request your data from our register.
The register stores and shares data
The Positive credit register only stores your data and shares it with appropriate parties. The Positive credit register
- does not make credit decisions
- does not assess your creditworthiness.
The register sends a credit register extract about you to the lender, and the lender makes a decision on the loan based on their own criteria. If your loan application is rejected, the credit register will not receive information about the application or the reason why it was rejected. Further, you cannot cancel a loan application in the register, nor make changes to a valid loan contract. Matters like this must be discussed and agreed on with the lender.