Deficient wage information has been generated on some credit register extracts between October 1 and November 6. The deficiency only applies to a part of credit register extracts requested at this time period. Missing data has been transferred to the register on November 7. Wage information will be correctly shown on the extracts as of 7.11. We apologize for the inconvenience and any harm it may have caused. Read more in the news.

Documentation

On this page, you will find the latest versions of technical instructions for software developers. The instructions will be updated with information regarding the register’s second stage as the project progresses.

In the first stage, consumer credits and loans comparable to them were reported to the register. In the second stage, starting 1 December 2025, lenders also start reporting loans granted to private individuals other than consumers, such as business loans granted to private individuals.

Instructions

General instructions for application developers (pdf) version 1.4

The general instructions for application developers outline the implementation of the Positive credit register’s technical API from the system integration perspective.

API descriptions

Reporting data on loan contracts – API description (pdf) version 1.8

Checking loan data – API description (pdf) version 1.4

Requesting a credit register extract – API description (pdf) version 1.5

API descriptions describe the data content to be reported, and the structure of the message sent to the API and of the response message returned from the API.

API processing rules and error codes (xls) version 1.4

API descriptions - 2nd stage

Reporting data on loan contracts – API description (2nd stage).pdf version 1.0

Checking loan data – API description (2nd stage).pdf version 1.0

Requesting a credit register extract – API description (2nd stage).pdf version 1.0

Message examples

Content of message examples (pdf) version 1.3

Message examples (zip) version 1.3

Message examples are examples of messages sent to different APIs.

Schema descriptions

Schema descriptions (zip) updated 14.6.2024

The schema descriptions of different APIs describe the message format and content, as well as the simplest rules related to required/optional data. The schema descriptions do not contain rules related to conditionally required data or more complex validations related to the system's data content. These are described in greater detail in the API descriptions.

Other documentation

Calculation of income data (xls) version 1.1

The document describes how a person's income data shown on a credit register extract is calculated from wage and benefits data reported to the Incomes Register.

Page last updated 8/15/2024