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?
The authorisation for the Positive credit register is called ‘Viewing loan data and setting a voluntary ban on credits.’ A person who has been granted this authorisation can do the following things on behalf of the authorising person:
- 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 alerts that will be sent when credit register extracts are requested.*
*Alerts will be introduced in autumn 2024.
Please note that you can authorise another person to act on your behalf in the Positive credit register's e-service only with this particular authorisation. If you have granted an authorisation to another person before 20 February 2024, you must do it again. Previously granted authorisations were too limited in scope, so they must be cancelled and cannot be used in the Positive credit register's e-service. Granting these authorisations has been possible as of 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 authorisation ‘Viewing loan data and setting a voluntary ban on credits.’ You can search for the authorisation in the service by name.
- The authorisation enters into force on the date that you select as the start date.
- 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