Your data in the register

You can view your own data in the Positive credit register's e-service. You can log in to the e-service with a mobile certificate, online banking codes or a certificate card. You can use the service on a computer, mobile phone or tablet device.

If you log in to the service with a mobile phone or tablet, Google Chrome is the recommended browser.

In the e-service of the Positive credit register, you can see the details of your loans reported to the Register. You cannot download a certificate of your debts from the e-service. However, if you wish, you can take a screenshot of your information displayed in the e-service, for example. 

Lenders report to the register your:

• home loans
• car loans
• consumption loans
• credit cards
• student loans
• hire-purchase financing
• loans granted to business name entrepreneurs
• loans granted to agricultural or forestry operators.

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.

The data on your loans is reported to the register by lenders, i.e. banks and other financial institutions. You income data is received from the Incomes Register.

Loans will be shown in the register immediately as lenders report them. Lenders must report loans to the register no later than on the calendar day following the date of contract conclusion.

If you have taken out a home loan together with your spouse, for example, the register shows the total amount of loan. When you go to loan details, you can see that you and your spouse share liability for the loan. When your spouse logs in to the Positive credit register, they also see the total amount of loan.

Lenders, in turn, see the total loan balance on the credit register extract, but they also see the number of debtors. In other words, if you and your spouse have taken out a home loan together, lenders see the total loan balance on both debtors’ credit register extracts. In addition, however, they also see that the loan has two debtors.

The Positive credit register contains data reported by lenders. If you notice incorrect or outdated data in your information, you should primarily contact the lender. You can find the lender’s official name in the e-service. For details, see the question ‘How can I find more detailed information on my loan, such as the official name of the lender?’ 

If contacting the lender does not solve the problem, you can also contact our customer service.

You can find information on all such loans granted to you that have been reported to the register in our e-service.

• Log in to the e-service
• Select “View your loans”.

You can see a comprehensive picture of your loans and view details on an individual loan. To find detailed information on the loans and the official name of the lender, click the arrow on the right to see

• loan details, and
• select “Open all details”.

Sometimes the lender’s official name may be different from the lender’s name for marketing purposes. For example, the marketing name could be “Lomalaina.fi” and the official name, “Suomen Lainapankki Oy Ab”.

No, they don’t. Lenders see an overview of your loan data. For example, they cannot see which lenders you have loans from or how much interest is charged on your loans. 

See also the question "What information does the credit register extract show to the lender?"

Visit our e-service to check whether lenders have ordered a credit register extract of your data and which lenders have ordered an extract. You can also see the reason why the lender has ordered the extract and the contents of the extract provided to the lender. 

The lender must report the end of the loan within two working days of the expiry of the loan. Please note that sometimes just repaying the loan in full does not end the loan contract. The loan may still involve obligations related to interest or late payment, for example. For more information on these issues, you should contact your lender.

If you have a running-account loan, such as a credit card, the amount for credit used is shown as EUR 0 when you have not used the credit but have a valid credit agreement. 

Your data may show a lump-sum loan with a balance of EUR 0. This usually occurs in a case where some costs, such as collection costs or interests, still remain unpaid even if the loan principal has been paid in full. You can contact your lender to find out if this is a mistake or if your loan still has some outstanding payments. 

Sometimes, the e-service data may show the same loan twice for a few days. This usually involves a transferred loan, i.e. a case where the lender has sold your loan to another lender or transferred it internally to another organisation within the same group. 

However, if the lender orders a credit register extract of your data, the extract always shows the correct data, i.e. only one loan, in such situations. 

No, they are not. However, if your loan instalment is more than 60 days late, the lender will report this to the register. The lender will remove the information on the delayed amount after you pay off the instalment in full. The lender will also remove the information on the delayed amount if you agree with the lender on a new payment plan regarding the delayed amount.

Lenders report consumer credits granted to you to the register. If a loan is included in a payment plan in a debt arrangement, this is indicated in the register, and only limited data is shown about the loan. When the payment plan ends, the lender must remove the entry about the loan’s inclusion in a payment plan in a debt arrangement.

If you have not paid off the loan in accordance with the payment plan, the loan may still be shown in the register even though the entry about the debt arrangement has been removed. If you have a confirmed liability to make additional payments after the end of the payment plan, the loan will appear in the register again.

The register receives information about your loans from lenders, so you should contact the lender to find out why the entry about the loan has not been removed.

If one of the parties to a joint and several liability loan is in debt arrangement, the debt arrangement information is shown in the details of all parties to the loan. According to law, debt arrangement information must be shown in the data of all parties to a joint and several liability loan even if they are not personally subject to debt arrangement. 

No, it is not. The Positive credit register does not show “negative” credit information, such as payment default or enforcement entries.

Only lenders with a valid data permission can order a credit register extract of your data. The extract can only be ordered when:

• you are applying for a new loan
• you are applying for an increase in the loan principal or credit limit
• you are applying for an amendment to the terms and conditions of the loan other than an increase in the loan principal or credit limit, and the amendment requires your creditworthiness to be assessed
• you are providing a guarantee or a third-party security for a loan that must be reported to the credit register.

In other words, a credit register extract cannot be ordered by anyone. For example, Kela (The Social Insurance Institution of Finland), the Finnish Tax Administration or landlords cannot receive your data from the Positive credit register. The grounds for granting a data permission have been defined by law. 

You can view the credit register extracts ordered of your data in the e-service of the Positive credit register. The e-service has a separate section for credit register extracts. 

You will find credit register extracts in the e-service only if a lender has ordered one of your data. This is because lenders are allowed to order an extract of your data only in certain situations. See also the question "Why can’t I find credit register extracts in the e-service?"

The credit register extract shows lenders a summary of your loans and certain credit-specific data, such as the remaining loan balance. 

The extract also shows your income data reported to the Incomes Register. If you have no income reported to the Incomes Register, your income data is not displayed on the extract. In this case, the lender should request for the income data directly from you. 

If you have set a voluntary credit ban on yourself, information on this and the grounds you have selected for setting the ban are shown in the extract.

You can find more detailed information on the data displayed in the extract on page credit register extract

If you cannot find credit register extracts in the e-service, this is usually because no lender has ordered a credit register extract of your data. In other words, the Credit register extracts section of the e-service only shows extracts if a lender has ordered one of your data, for example, when you have applied for a new loan.  

The credit register extracts ordered of your data will remain in the e-service for 5 years. The retention period is specified by law. 

If you apply for a loan for your business activities, lenders can request a credit register extract on your data and use it when assessing your creditworthiness. The credit register extract contains details of your active loans and your income reported to the Incomes Register. The income of self-employed individuals is not reported to the Incomes Register.

If you apply for a consumer credit, such as a credit card or home loan, lenders must even now request a credit register extract on your data for purposes of creditworthiness assessment.

Yes, business loans may have an effect on your consumer credit application. Lenders are obliged to request a credit register extract on your data when you apply for a new consumer credit and  the extract  also contains your business loans. Lenders may therefore assess your creditworthiness more carefully if more loans have been reported for you than before.

On the other hand, business name entrepreneur’s income is not shown on the credit register extract because it is not reported to the Incomes Register. Because of this, the credit register extract may give an inaccurate picture of the business name entrepreneur’s finances, so lenders must also check the entrepreneur’s income data in other sources, not only in the Positive credit register. In a situation like this, you can contact the lender.

Limited liability companies’ loans are not reported to the register. If a loan is transferred from an entrepreneur to a limited liability company, the lender must report the loan to the register as ended. However, if you continue to be personally liable for the loan, it will remain in the register. If you are unsure about what happens to the loan when the company form changes, please contact the lender.

The loan continues to be in force in accordance with the loan contract you have concluded with the lender, and data on the loan will show in the register even if you terminate your business.

If you apply for a loan as an agricultural operator, lenders can request a credit register extract on your data and use it when assessing your creditworthiness. The credit register extract contains details of your active loans and your income reported to the Incomes Register. The income of private agricultural operators is not reported to the Incomes Register.

Also if you apply for a consumer credit, such as a credit card or home loan, lenders must even now request a credit register extract on your data for purposes of creditworthiness assessment.

The acceleration of loan refers to a situation where the borrower fails to make contractual payments on time despite being sent reminders. For this reason, the lender accelerates the loan contract. In other words, they demand the advance repayment of the loan. Acceleration may also be referred to as termination.

Under the law, information about the loan acceleration and the acceleration date are reported to the register. Only loan accelerations due to delayed payments are reported to the Positive credit register. In other words, accelerations for any reason other than delayed payment are not reported.

If you have an accelerated loan in the register and you believe the information about it is inaccurate or you would like further information about it, you should contact the relevant lender. You can find out which lender is responsible for the loan using the Positive credit register e-service:

• Log in to the e-service.
• Select “View your credit”
• The front page shows the lump-sum loans and running-account loans granted to you.
• It shows the lender’s name (marketing name), the purpose of use of the loan, and the loan balance.
• To access details about a loan and the lender’s official name, open the loan information by clicking the icon on the right and select “Open all details”.

It is a good idea to check the official name of the lender in our e-service if, for example, you cannot find out who is responsible for your loan details in the register. Sometimes the lender’s official name may differ from their marketing name. For example, a lender may advertise under the name “Lomalaina.fi”, while their official name may be “Suomen Lainapankki Oy Ab”.

For more information on an accelerated loan in debt collection, contact your lender or the debt collection agency. You can find the lender’s official name in our e-service.

• If our e-service lists a debt collection agency as the lender’s official name, the entire loan contract has been assigned to the debt collection agency. Please contact them if have questions about the loan.
• Many lenders organise the recovery of accelerated loans through a debt collection partner without selling the loan. In this case, the loan is still owned by the original lender, and you should contact them for more information about your loan.

Information on loan acceleration is only removed if it is established that the loan was not accelerated. Information about loan acceleration is often confused with delayed payment, which is removed when you pay the delayed amount.

Contact your lender to discuss the acceleration of your loan. You are also advised to check your loan contract, which should mention the acceleration of the loan contract and the consequences of it. If you feel that your loan has been accelerated on invalid grounds, you can contact the Consumer Ombudsman.

No.

No.

No, you can't. You can view only your own data in the Positive credit register’s e-service.

No, they can't.

The Act on the Positive Credit Register is very specific about who has the right to receive information from the register. Lenders are entitled to request a credit register extract about your data when you are applying for a new loan or changing your loan contract.

Some authorities defined by law have limited access to the data. They use the register's data for monitoring the credit market, for example, and for purposes of statistics and supervision.

In the e-service for private individuals, guarantors can see information such as the balance and final due date of the loan guaranteed by them.

• Read more about accessible information in the instructions on e-service.

In the Positive credit register’s e-service, the guarantor can see only the information stated in the instructions.

However, the guarantor has the right to ask the lender for any such information on your financial obligations and circumstances relating to your ability to pay that can be assumed to be relevant to the guarantor. The guarantor can ask for the information as long as the guarantee is in force.

• Read more about the guarantor’s right to access information in section 14 of the Act on Guaranties and Third-Party Pledges.

In our e-service you can see whether lenders have requested your data from the register and, if so, which organisations have requested your data, when and why, and what data has been disclosed to them.

Hire-purchase deals are financed primarily by financial institutions, not by shops. Your ability to repay the loan is assessed by the financial institution providing hire-purchase financing. In other words, if the furniture shop does not finance your hire-purchase deal, they do not have the right to check your data in the credit register.

The lender cannot view your loan data freely, but only when

• you are applying for a new loan
• the loan principal is being raised
• you are requesting a change to the terms of the loan that requires a creditworthiness assessment
• the lender is in the process of accepting a guarantee or third-party security as collateral for the loan.

The credit register extract sent to the lender contains information about your monthly income for the 12 calendar months preceding the date when the extract was requested. Income data is provided only for full months. Your monthly income is separated into gross income and net income. The income data comes from the Incomes Register, so they contain information on wages, salaries, benefits and pensions paid to you. The Incomes Register does not include, for example:

•    income earned by self-employed persons working under a business name
•    grants 
•    foreign pensions
•    or
•    most capital income

Your income data is shown only in the credit register extract. If no extracts have been ordered, you will not see your income data in the Positive credit register's e-service at all.

If you want to view your income data more closely, log in to the Incomes Register’s e-service.

• Information on the Incomes Register

The income data shown on the credit register extract includes only income that has been reported to the Incomes Register. If you have only income that is not reported to the Incomes Register, the credit register extract shows your income to be €0 even if you, in fact, have income.

According to law, income such as the following is not reported to the Incomes Register:

• income received as a business name entrepreneur
• grants
• most capital income.

On account of the above, lenders should also use other sources than credit register extracts when assessing the customer’s creditworthiness and especially when establishing the customer’s income data.

• Read more on the Incomes Register's website about the types of income data and benefits payment data that payers must report to the Incomes Register.

Foreign pensions are not reported to the Incomes Register. The income data for the credit register extract is obtained from the Incomes Register. For this reason, the extract does not show pensions paid from abroad. Lenders should request for your income data directly from you when you do not have any income reported to the Incomes Register.

Data on the loans of a deceased relative cannot be obtained from the register. According to law, the register cannot disclose data of a deceased person to, for example, the relatives of the deceased person or other individuals managing the estate’s affairs. Furthermore, lenders cannot order a credit register extract of the data of a deceased person.

No, you cannot obtain data on the estate of a deceased person from the register. According to law, the register cannot disclose data of a deceased person either to parties handling the estate’s affairs or to lenders, for example.