Credit register extract

• personal identity code of the individual whose information the register extract concerns
• identifier of the organisation that has requested the extract.

• number of lenders and peer-to-peer loan brokers that have issued or brokered loans to the person
• number of loan contracts that the person has
• most recent loan-related payments in total (each loan’s most recent amortization, interest payment or expense amount added together)
• leasing contracts’ monthly payments in total
• number of loans where the person is a guarantor.

Loan type: lump-sum loan, guarantee receivable for a student loan, running-account loan or leasing

• date of loan contract
• number of debtors
• loan currency
• an indication of whether a collateral is included in the loan contract; if yes, the type of collateral
• the start and end dates of the deferments of amortizations, current and future periods
• due date of an instalment that is overdue by at least 60 days, and the unpaid amount of the instalment
• loan accelaration (if any)

If the loan type is Leasing:

• start date of the leasing contract if it is not the same as the date of loan contract
• final price of the leased asset if redemption is required by the contract

If the loan type is Lump-sum loan or Guarantee receivable for a student loan:

• loan’s purpose of use
• final due date of the payment plan
• loan amounts granted and drawn
• loan balance
• amortization frequency
• repayment method if the loan is to be repaid as a lump sum (bullet repayment) or if the last instalment is larger than the regular instalments (balloon repayment)
• borrower's business name and Business ID if the lump-sum loan was granted to a natural person other than a consumer.

If the loan type is Running-account loan:

• credit limit
• amount drawn, and the value date
• borrower's business name and Business ID if the running-account loan was granted to a natural person other than consumer.

Income data is imported into the credit register extract from the Incomes Register. Payers must report data about paid wages and benefits to the Incomes Register within five calendar days of the payment date.

• Exceptions to this are, for example, payers who use a paper form instead of an electronic reporting channel. For them, the reporting deadline is eight calendar days from the date of payment instead of five calendar days.

A credit register extract shows a person's income for the last 12 calendar months.

• Information is shown only for full calendar months, i.e. the income data for the current month is not shown in the extract.

Only income that has been reported to the Incomes Register can be shown in the income data.

• For example, a business-name entrepreneur’s income, grants, most capital income or a self-employed person’s work income are not reported to the Incomes Register if the self-employed person is insured under the Self-Employed Persons’ Pensions Act or the Farmers’ Pensions Act.
•  If the person has no income to be reported to the Incomes Register, the credit register extract will show €0 per month as their income.
• See the Incomes Register website for more information on what income data and benefits payment data payers must report to the Incomes Register.

Income is broken down by month in the credit register extract into wages and benefits, and further into gross and net income. The payer of the wages or benefits is not shown.

• Wages include other income types reported to the Incomes Register except tax-exempt kilometre allowances, meal allowances and daily allowances.
• Benefits include almost all benefits that are reported to the Incomes Register. The type of benefit is not specified, but all benefits are shown as a total.

The formula for calculating income data shown in the register extract can be found on the Documentation page.

If a person has set a voluntary ban on credits, the ban and the reason for it are indicated on the extract.

The extract also shows if the person has denied the accuracy of an item of information saved in the register (restriction of processing of personal data under article 18 of the General Data Protection Regulation).

Information on new loan contracts is reported to the register no later than on the calendar day following the conclusion of the contract.

Loan transactions and changes to loan data are reported to the register within two working days

• This information includes, for example, amortizations, delayed amounts and the end of the loan contract.

The amount drawn against a running account is reported to the register once a month.

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.

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.

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.

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 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 is received from the Incomes Register, so it includes information on wages, benefits and pensions paid to you. The Incomes Register does not contain information on capital income or business 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.