How to manage a voluntary ban on credits

Start by logging in

If you want to set a voluntary ban on credits in the Positive credit register, do as follows:

• Log in to our e-service.
• Select Voluntary ban on credits in the menu.
• Select Set or remove a voluntary ban on credits.
  • If you do not have a valid ban on credits yet, you see the text You do not have a valid voluntary ban on credits.
  • Below the text, you can find the Set a voluntary ban on credits button.
• Click the Set a voluntary ban on credits button.
• On the page that opens, you can set a credit ban for yourself.
• Enter the following information on the page:
  • Reason for credit ban
    • Risk of identity theft
    • Control of personal finances
    • Other reason
  • Validity period
    • Indefinite
    • Fixed term
    • You can select the start and end dates for the credit ban in the calendar. If the start date you select is in the future, the credit ban will enter into force at 00.00 on the day in question.
• Click the Next button. 

Select whether you consent to the disclosure of information to credit information agencies

Information about your credit ban will always be disclosed to lenders on credit register extracts. However, you can choose whether the information on the ban will also be disclosed to credit information agencies. There are two credit information agencies in Finland at the moment: Suomen Asiakastieto Oy and Dun & Bradstreet Finland Oy.

Read more about the situations where credit information agencies can use your data on the Voluntary ban on credits page.

Select one of the following options:

• I give my consent that the information on my credit ban can be shared with credit reference agencies, which in turn can disclose the information for the purposes laid down in section 19 of the act on credit information.
• I do not give consent that information on my credit ban could be shared with credit reference agencies. The information about the credit ban is available only to lenders requesting a credit register extract about my information from the Positive credit register.

When you have selected whether you give your consent or not, click Next.

Confirm the ban on credits

When you click Next, you will be moved to a preview page, where you can check the information you entered.

• By clicking the Previous button, you can edit the information you entered.
• The Cancel button allows you to cancel all the information you entered.
• If the information is correct, click the Send button.

You will be automatically moved back to the Voluntary ban on credits section. The section now states “You have a valid voluntary ban on credits”. In addition, you see the information you submitted:

• when the voluntary ban on credits was set (dd.mm.yyyy, hh:mm)
• reason for credit ban
• whether the credit ban is valid indefinitely or for a fixed period
• whether you have given your consent that the information can be disclosed to credit information agencies.

Start by logging in

You can edit or remove the voluntary ban on credits at any time. The changes enter into force immediately: lenders requesting credit register extracts about your data will receive information about your credit ban or its removal in real time. If you want to edit the credit ban you have set, do as follows:

• Log in to our e-service.
• Select Set or remove a voluntary ban on credits.
• Select Voluntary ban on credits in the menu.
• If you have a valid ban on credits, you see the text “You have a valid voluntary ban on credits”. Below the text, you can find the following buttons:
  • Edit a ban on credits
  • Remove a ban on credits
• Click Edit a ban on credits.
  • The page that opens shows information about your currently valid ban on credits. You can edit the information or leave it as it is.
    • Reason for credit ban: You can change the reason for the ban but you cannot leave the field blank.
    • Period of validity: You can change the validity of your credit ban from indefinite to fixed term or vice versa, or you can change the end date of the ban.  
      • Please note that if the start date of a fixed-term credit ban is in the past, you cannot change the start date. However, you can change the end date to either the current or a future date.
      • Please also note that the same date cannot be both the start date and the end date.
• Go to the next page by selecting Next. You can move forward even if you do not edit the information.

Select whether you consent to the disclosure of information to credit information agencies

Next you must select whether you give your consent that information on the credit ban may be disclosed to credit information agencies. You must make the selection every time you set a new ban on credits or edit your previous ban. Note that your previous selection is not pre-selected.

Select one of the two options:

• I give my consent that the information on my credit ban can be shared with credit reference agencies, which in turn can disclose the information for the purposes laid down in section 19 of the act on credit information.
• I do not give consent that information on my credit ban could be shared with credit reference agencies. The information about the credit ban is available only to lenders requesting a credit register extract about my information from the Positive credit register.

When you have selected whether you give your consent or not, click Next. 

Confirm changes

After you have clicked the Next button, you will be moved to a preview page, where you can check the information you entered.

• By clicking the Previous button, you can edit the information you entered.
• The Cancel button allows you to cancel all the changes you made.
• Click the Save changes button to confirm the information you edited.

When you have checked the information, confirm it by clicking the Save changes button. You will then be automatically moved back to the Voluntary ban on credits section.

• The section now states “You have a valid voluntary ban on credits”. In addition, you see the information you submitted:
  • when the voluntary ban on credits was set (dd.mm.yyyy, hh:mm)
  • reason for credit ban
  • whether the credit ban is valid indefinitely or for a fixed period
  • whether you have given your consent that the information can be disclosed to credit information agencies.

You can remove you credit ban whenever you want. If you do so, all information about the credit ban will be removed from the Positive credit register immediately. After this, information on the credit ban will no longer be shown on credit register extracts requested about your data.

If you want to remove the credit ban you have set, do as follows:

• Log in to our e-service.
• Select Set or remove a voluntary ban on credits.

If you have a valid ban on credits, you see the text “You have a valid voluntary ban on credits”. Below the text, you can find the following buttons:

• • Edit a ban on credits
  • Remove a ban on credits
• Select Remove a ban on credits.
  • The system will ask you: “Are you sure you want to remove a voluntary ban on credits?”
  • Confirm the removal of the credit ban by clicking the Remove button.

The system will notify you that the credit ban has been successfully removed. The page now states “You do not have a valid voluntary ban on credits”. Below the text, you can find the Set a voluntary ban on credits button. By clicking the button, you can set a new voluntary ban on credits for yourself if needed.

Please note that information about the removal of the credit ban will be shared with lenders in real time. Credit information agencies, however, will receive the information with a delay. Therefore, even if you have given consent that information may be disclosed to credit information agencies, information about the changes you make will not reach them immediately. We transmit the information to credit information agencies once a day. The receipt of the information may also be delayed on account of the credit information agencies’ own systems.

How to set or remove a credit ban for an underage child

You can set or remove a voluntary ban on credits for an underage child only on a paper form. The credit ban can also be edited only on a paper form. An underage child cannot set, edit or remove a voluntary ban on credits: it must be done by their guardian. The form must be signed by all the child’s guardians.

Read more about a voluntary ban on credits for an underage child: Set a voluntary ban on credits for an underage child

If an underage child has a valid ban on credits, the information on it is shown in the e-service.