Private individuals can authorise others to act on their behalf
Each private individual sees only information about their own loans and guarantees they have provided in the Positive credit register’s e-service. If you want another person to act on your behalf in the Positive credit register's e-service, you can authorise the person to do so.
You can grant the authorisation to use the Positive credit register in the Suomi.fi e-Authorisations service. Even if you have previously authorised another person to act on your behalf in tax matters, for example, you must grant a separate authorisation for acting in the Positive credit register.
Persons aged under 18 years cannot authorise others to act on their behalf, but a minor’s guardian can view their loan data in the register’s e-service. In addition, people who are under guardianship cannot authorise others in the Suomi.fi e-Authorisations service.
What can an authorisation holder do?
There are two authorisations in the Positive credit register, namely "Viewing loan da-ta and setting a voluntary credit ban" and "Exercising data protection rights related to the processing of personal data". A person who has received an authorisation can do the following on behalf of the assignor:
Viewing loan data and setting a voluntary credit ban
- view information on the authorising person’s loans, the guarantees they have provided, and the credit register extracts requested about their data
- set a voluntary ban on credits, and edit or remove the ban
- give or cancel consent that information about the credit ban can be disclosed to credit information companies, i.e. credit reference agencies, which in turn can disclose the information further for the purposes laid down in the act on credit information
- enable or disable suomi.fi -notifications regarding requested credit register extracts
Exercising data protection rights related to the processing of personal data:
- finding out whether we process your personal data and requesting a copy of the per-sonal data we process (Article 15 of the EU General Data Protection Regulation)
- requesting the rectification of incorrect and/or inaccurate personal data (Article 16 of the EU General Data Protection Regulation)
- requesting the restriction of the processing of incorrect personal data (Article 18 of the EU General Data Protection Regulation)
- Read more: about your data protection rights regarding the processing of personal data.
Please note that if you have already authorised another person to view your credit information and set up a voluntary credit ban before 20 February 2024, you must grant the authorisation again if you want to authorise another person to act on your behalf in the Positive credit register. Authorisations granted before 20 February 2024 have been too narrow in scope, so they have had to be removed and cannot be used in the e-service of the Positive credit register. It has been possible to grant these au-thorisations since autumn 2023.
Authorisations on Suomi.fi
How to grant an authorisation
Grant an authorisation in the Suomi.fi e-Authorizations service.
- Go to Suomi.fi and identify yourself to the e-Authorizations service using strong identification.
- Grant an authorisation for ‘Viewing loan data and setting a voluntary credit ban’ and/or ‘Exercising data protection rights related to the processing of per-sonal data’. You can find the authorisation in the service by searching for it us-ing the authorisation name.
- The authorisation enters into force on the date that you select as the start date.
- You can grant an authorisation for both selectable authorisations or only for one of them
- The authorised person can then log in to the Positive credit register’s e-service and act on your behalf by selecting "Act on behalf of another".
If you do not have personal online banking codes, a mobile certificate or a certificate card, read the instructions on fi: Granting mandates if you are unable to use electronic services.
You can also request an authorisation
A private individual can ask another person to grant them an authorisation to act in the Positive credit register. The authorisation is requested in the Suomi.fi e-Authorisation service. The individual can start acting on behalf of the other person after the person who received the authorisation request accepts the request in the Suomi.fi e-Authorisations service.
Acting on behalf of a minor
If you are a guardian of a child aged under 18 years, you can act on their behalf in the Positive credit register’s e-service without a separate authorisation. The guardian can log in to the Positive credit register's e-service by using strong identification and selecting Act on behalf of another.
A voluntary ban on credits for minors cannot be set in the e-service. A credit ban for minors can be set only with a paper form.
Form: A voluntary ban on credits for minors
Using the e-service
The Positive credit register's e-service looks the same and works in the same way regardless of whether you are acting as yourself or on behalf of another in the e-service.
If you need help, see the instructions on the use of the e-service, which tell you how to log in, manage a voluntary ban on credits, interpret the credit register extract and the guarantees provided, and view data on your own loans.
See the instructions on the use of the e-service