Frequently asked questions

The main purpose of the register is to prevent households from taking on too much debt. Private individuals can view up-to-date information about their loans in the register and set a voluntary ban on credits for themselves free of charge. Also, lenders can better assess the loan applicant's ability to repay the loan when they receive up-to-date data on the applicant's loans and income from the register.

The register is positive because it does not show ‘negative’ credit information, such as data about payment defaults or recovery by enforcement. The register’s name is enacted by law.

The Positive credit register opened on April 1st 2024, when lenders started using the data for the assessment of creditworthiness, and private individuals could look at their own data in the register's e-service.

As a rule, the register is available 24/7 throughout the year. As in all IT systems, however, the Positive credit register also has occasional service or maintenance breaks, but these will be announced in advance.

The Tax Administration was selected because we already have experience in building, introducing and maintaining a corresponding information system, i.e. the Incomes Register.

You can view your own data in the Positive credit register's e-service. You can log in to the e-service with a mobile certificate, online banking codes or a certificate card. You can use the service on a computer, mobile phone or tablet device.

If you log in to the service with a mobile phone or tablet, Google Chrome is the recommended browser.

Lenders report to the register your:

• home loans
• car loans
• consumption loans
• credit cards
• student loans
• hire-purchase financing.

Starting 1 December 2025, lenders will also report loans granted to natural persons other than consumers to the register. Such loans include

• loans granted to business name entrepreneurs
• loans granted to agricultural or forestry operators.

The above loans will appear in the register gradually as lenders report data to the register. All the above loans must be reported by 31 March 2026.

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.

Loans will be shown in the register immediately as lenders report them. Lenders must report loans to the register no later than on the calendar day following the date of contract conclusion.

The Positive credit register contains data reported by lenders. If you notice incorrect or outdated data in your information, you should primarily contact the lender. You can find the lender’s official name in the e-service. For details, see the question ‘How can I find more detailed information on my loan, such as the official name of the lender?’ 

If contacting the lender does not solve the problem, you can also contact our customer service.

If you have taken out a home loan together with your spouse, for example, the register shows the total amount of loan. When you go to loan details, you can see that you and your spouse share liability for the loan. When your spouse logs in to the Positive credit register, they also see the total amount of loan.

Lenders, in turn, see the total loan balance on the credit register extract, but they also see the number of debtors. In other words, if you and your spouse have taken out a home loan together, lenders see the total loan balance on both debtors’ credit register extracts. In addition, however, they also see that the loan has two debtors.

The lender must report the end of the loan within two working days of the expiry of the loan. Please note that sometimes just repaying the loan in full does not end the loan contract. The loan may still involve obligations related to interest or late payment, for example. For more information on these issues, you should contact your lender.

No, they are not. However, if your loan instalment is more than 60 days late, the lender will report this to the register. The lender will remove the information on the delayed amount after you pay off the instalment in full. The lender will also remove the information on the delayed amount if you agree with the lender on a new payment plan regarding the delayed amount.

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.

The Positive credit register contains data reported by lenders. If you notice incorrect or outdated data in your information, you should primarily contact the lender. You can find the lender’s official name in the e-service. For details, see the question ‘How can I find more detailed information on my loan, such as the official name of the lender?’ 

If contacting the lender does not solve the problem, you can also contact our customer service.

You can find information on all such loans granted to you that have been reported to the register in our e-service.

• Log in to the e-service
• Select “View your loans”.

You can see a comprehensive picture of your loans and view details on an individual loan. To find detailed information on the loans and the official name of the lender, click the arrow on the right to see

• loan details, and
• select “Open all details”.

Sometimes the lender’s official name may be different from the lender’s name for marketing purposes. For example, the marketing name could be “Lomalaina.fi” and the official name, “Suomen Lainapankki Oy Ab”.

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.

Lenders report consumer credits granted to you to the register. If a loan is included in a payment plan in a debt arrangement, this is indicated in the register, and only limited data is shown about the loan. When the payment plan ends, the lender must remove the entry about the loan’s inclusion in a payment plan in a debt arrangement.

If you have not paid off the loan in accordance with the payment plan, the loan may still be shown in the register even though the entry about the debt arrangement has been removed. If you have a confirmed liability to make additional payments after the end of the payment plan, the loan will appear in the register again.

The register receives information about your loans from lenders, so you should contact the lender to find out why the entry about the loan has not been removed.

Yes, but only if the loan has not ended yet.

Payment default entries and negative credit information are not stored in the Positive credit register. They can be found in commercial credit registers as before. In other words, the Positive credit register contains only loans granted to you and your income data.

The register will affect business loan applications starting 1 April 2026. So if you apply for a loan for your business activities before April 2026, lenders cannot receive a credit register extract on your data from the Positive credit register but must assess your creditworthiness in some other way.

If you apply for a loan for your business activities after 1 April 2026, lenders can request a credit register extract on your data and use it when assessing your creditworthiness. The credit register extract contains information on your active loans and any income that has been reported to the Incomes Register.

If you apply for a consumer credit, such as a credit card or home loan, lenders must even now request a credit register extract on your data for purposes of creditworthiness assessment.

The register has no effect on the loan applications of agricultural operators before 1 April 2026. In April, lenders can start using the register’s data in granting loans to natural persons other than consumers. If you apply for a loan for agricultural operations before April, lenders cannot request a credit register extract on your data. If you apply for a consumer credit, for example to buy a car for private use, lenders must request a credit register extract on your data for purposes of creditworthiness assessment.

Lenders will start reporting business loans granted to business name entrepreneurs on 1 December 2025. In other words, data on your business loan will be shown in the register on 1 December 2025 at the earliest and on 31 March 2026 at the latest, depending on when your lender reports it to the register. Until then, your loan data includes only consumer credits and loans comparable to them, such as home loans or student loans, that you have taken out as a private individual.

Yes, business loans may have an effect on your consumer credit application starting 1 December 2025. Lenders are obliged to request a credit register extract on your data when you apply for a new consumer credit and, from December onwards, the extract may also contain your business loans. Lenders report such loans to the register between 1 December 2025 and 31 March 2026. Lenders may therefore assess your creditworthiness more carefully if more loans have been reported for you than before.

On the other hand, business name entrepreneur’s income is not shown on the credit register extract because it is not reported to the Incomes Register. Because of this, the credit register extract may give an inaccurate picture of the business name entrepreneur’s finances, so lenders must also check the entrepreneur’s income data in other sources, not only in the Positive credit register. In a situation like this, you can contact the lender.

You need not do anything if a loan taken out for business or for agricultural operations does not show in the register on 1 December 2025. Lenders can report data on these loans to the register up until 31 March 2026, so you should just wait.

You can always check the status of your loans in our e-service.

The loan continues to be in force in accordance with the loan contract you have concluded with the lender, and data on the loan will show in the register even if you terminate your business.

Limited liability companies’ loans are not reported to the register. If a loan is transferred from an entrepreneur to a limited liability company, the lender must report the loan to the register as ended. However, if you continue to be personally liable for the loan, it will remain in the register. If you are unsure about what happens to the loan when the company form changes, please contact the lender.

No, it is not. The Positive credit register does not show “negative” credit information, such as payment default or enforcement entries.

The acceleration of loan refers to a situation where the borrower fails to make contractual payments on time despite being sent reminders. For this reason, the lender accelerates the loan contract. In other words, they demand the advance repayment of the loan. Acceleration may also be referred to as termination.

Under the law, information about the loan acceleration and the acceleration date are reported to the register. Only loan accelerations due to delayed payments are reported to the Positive credit register. In other words, accelerations for any reason other than delayed payment are not reported.

If you have an accelerated loan in the register and you believe the information about it is inaccurate or you would like further information about it, you should contact the relevant lender. You can find out which lender is responsible for the loan using the Positive credit register e-service:

• Log in to the e-service.
• Select “View your credit”
• The front page shows the lump-sum loans and running-account loans granted to you.
• It shows the lender’s name (marketing name), the purpose of use of the loan, and the loan balance.
• To access details about a loan and the lender’s official name, open the loan information by clicking the icon on the right and select “Open all details”.

It is a good idea to check the official name of the lender in our e-service if, for example, you cannot find out who is responsible for your loan details in the register. Sometimes the lender’s official name may differ from their marketing name. For example, a lender may advertise under the name “Lomalaina.fi”, while their official name may be “Suomen Lainapankki Oy Ab”.

For more information on an accelerated loan in debt collection, contact your lender or the debt collection agency. You can find the lender’s official name in our e-service.

• If our e-service lists a debt collection agency as the lender’s official name, the entire loan contract has been assigned to the debt collection agency. Please contact them if have questions about the loan.
• Many lenders organise the recovery of accelerated loans through a debt collection partner without selling the loan. In this case, the loan is still owned by the original lender, and you should contact them for more information about your loan.

Information on loan acceleration is only removed if it is established that the loan was not accelerated. Information about loan acceleration is often confused with delayed payment, which is removed when you pay the delayed amount.

Contact your lender to discuss the acceleration of your loan. You are also advised to check your loan contract, which should mention the acceleration of the loan contract and the consequences of it. If you feel that your loan has been accelerated on invalid grounds, you can contact the Consumer Ombudsman.

No.

No. The Tax Administration does not have access to the data stored in the register.

No.

No, you can't. You can view only your own data in the Positive credit register’s e-service.

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.

In the e-service for private individuals, guarantors can see information such as the balance and final due date of the loan guaranteed by them.

• Read more about accessible information in the instructions on e-service.

In the Positive credit register’s e-service, the guarantor can see only the information stated in the instructions.

However, the guarantor has the right to ask the lender for any such information on your financial obligations and circumstances relating to your ability to pay that can be assumed to be relevant to the guarantor. The guarantor can ask for the information as long as the guarantee is in force.

• Read more about the guarantor’s right to access information in section 14 of the Act on Guaranties and Third-Party Pledges.

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.

Hire-purchase deals are financed primarily by financial institutions, not by shops. Your ability to repay the loan is assessed by the financial institution providing hire-purchase financing. In other words, if the furniture shop does not finance your hire-purchase deal, they do not have the right to check your data in the credit 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 credit register has an increased level of information security. This means that the data is stored and processed in a highly protected environment.