Voluntary ban on credits
A voluntary ban on credits is free of charge. The credit ban serves as a safeguard, for example, if your personal data is stolen and someone is trying to take out a loan in your name. Also, the credit ban is a tool for controlling your personal finances.
Information about your credit ban is saved in the Positive credit register maintained by the Tax Administration's Incomes Register Unit, and it will be disclosed to lenders requesting a credit register extract about you. If you have set a credit ban, lenders will have to consider lending even more carefully than usual.
You can use this form to set a new credit ban, edit a valid credit ban or remove a credit ban you have set earlier. In addition, you can give consent that information on your credit ban can be disclosed to credit information companies, or you can remove your consent. The credit ban and changes made to it will become effective after we process the form.
You can fill in the form on your computer, or you can print it out and fill it in manually.
Read more about the processing of personal data
Download the form
Voluntary ban on credits (pdf)
Instructions
1 Personal information
Enter here your personal data. Enter your family name, first name and all middle names, personal identity code and address. Always fill in this section.
2 Ban on credits
2A I am setting a ban on credits or 2B I am editing a ban on credits
Tick box 2A or 2B depending on whether you want to set a new ban on credits or edit a valid ban on credits. Define a validity period for the credit ban, and select a reason for the ban. If you are editing a credit ban, enter the new information.
Validity period: The credit ban is in force indefinitely or for a fixed period, depending on your selection. If you set a ban for an indefinite period, it will not be lifted until you remove it. If you set a ban for a fixed period, enter the start and end dates. If you want a ban for a fixed period to become effective immediately, enter the current date as the start date. The credit ban will become effective after we process the form. The credit ban will be lifted automatically after the end date.
Reason for credit ban: Select one of the following reasons for the credit ban: Risk of identity theft, Control of personal finances or Other reason.
- If the reason you select for the credit ban is Risk of identity theft, the lender should verify the loan applicant's identity with special care.
- If the reason you select for the credit ban is Control of personal finances, the lender should consider lending with special care.
- If neither of the above two options applies, select Other reason.
2C I am removing a ban on credits
If you want to remove a valid credit ban, tick box 2C only.
3 Consent to disclosure of information to credit information companies
With this form, you can give consent that information on your voluntary ban on credits may be shared with credit reference agencies, i.e. credit information companies that offer credit information services. Always fill in this section if you are setting a new ban on credits or editing a valid ban on credits. You can also edit your consent only. If you are removing a valid ban on credits, leave this section empty.
At present, the credit information companies to which we can disclose information on your credit ban are the following:
- Dun & Bradstreet Finland Oy
- Suomen Asiakastieto Oy. (For the time being, Suomen Asiakastieto Oy does not accept any information from the register. Information on valid credit bans will be shared with the company once it starts accepting data from the register.)
The consent you give also covers any new credit information companies offering similar credit information services in the future.
Credit information companies can store the information on your credit ban in their registers and share the information with their clients, such as lenders, insurance companies, debt collection agencies, landlords, employers, authorities, etc.
Credit information companies can disclose the information on your credit ban only for certain purposes laid down in section 19 of the act on credit information (527/2007). Study the purposes of use before giving your consent. The purposes of use are the following:
- granting of a loan, supervision of a loan, and automated lending
- planning of debt recovery
- accepting or providing a guarantee or third-party security
- concluding a rental agreement on a residential apartment
- defining the terms and conditions when the contract concluded is such that it cannot be legally refused
- assessing a job applicant or an employee as provided by law
- assessing a company's or its responsible person's ability to meet their contractual obligations, and selecting a person as the company's responsible person
- a situation where a person requests a credit institution or an insurance institution to draw up a certificate or recommendation regarding the person's ability to fulfil their obligations
- a situation where information is disclosed to certain parties with the reporting obligation so that they can take customer due diligence measures (Act on Preventing Money Laundering and Terrorist Financing 444/2017)
- scientific research, statistics or a public authority's planning and reporting duties
- an authority's statutory right of access to data
- a situation where the person is a responsible person in a company for whose operations authorities grant support
- other purpose of use separately prescribed by law.
When you have read the instructions and understand the purposes for which information on your credit ban can be disclosed, confirm by ticking the appropriate box on the form. Also select whether you give, deny or cancel your consent.
4 Signature
Add the date, your signature and name in print. Also give your phone number so that we can request further information if necessary.