We provide reliable, up-to-date information to support lending decisions

Lenders report data to the Positive credit register on credits and loans granted to private persons. Lenders also use the data in the register by requesting register extracts about credit applicants. From credit register extracts, lenders get an up-to-date overview of credit applicants’ loans and income. This helps lenders assess credit applicants’ creditworthiness. The activities of the Positive credit register are based on the Act on the Positive Credit Register. The controller is the Incomes Register Unit of the Tax Administration.

Act on the Positive credit register 739/2022 (finlex.fi) (in Finnish)

You can find more information about the register and its operating principles on our Information about the register page.

Reporting data

In these instructions, you can find detailed descriptions of what data is reported to the Register, which lenders have an obligation to report data and how to start reporting.

Reporting data to the Positive credit register

Reporting data to the Positive credit register as of 1 December 2025

How to sign up to the Positive credit register as a data notifier

Also read the following instructions carefully:

Notifying of missing data

Instructions for changes in business activities

Also read the API descriptions carefully:

APIs and their use

Using data

A credit register extract is a compilation of data recorded about an individual in the Positive credit register.

Read about the content of a credit register extract

These instructions contain information on who can order a credit register extract and in what situations and how you can apply for the data permit required for ordering a credit register extract.

Sharing information from the Positive credit register

Instructions for lenders on how to request a data permission

Documentation

The Documentation page contains the latest versions of the technical instructions for software developers. The instructions will be updated with information on the second stage of the register as the project progresses:

Documentation

Charges collected for the use of the register

Lenders’ requests for credit register extracts from the Positive credit register are subject to a fee.

The Incomes Register Unit of the Finnish Tax Administration charges a fee for replies to lenders’ requests for credit register extracts.

E-service for organisations

In our e-service, you can register as a data submitter, apply for a data permission and update contact details and invoicing information.

You can use the service on behalf of a company or organisation who has authorised you to do so. Log in to the service with Suomi.fi e-Identification.

Also read the instructions for lenders on using the e-service.

Instructions for the e-service

Latest on the register

We hold regular stakeholder events where we discuss current issues concerning the register and answer any questions stakeholders might have.

The register will also soon expand with the contents included in the second stage of the register’s implementation. We are constantly updating the guidelines for this purpose.