Voluntary ban on credits

If you are worried about the security of your personal data, we recommend that you protect the data as thoroughly as possible. A voluntary ban on credits is one way of protecting the data, for example, when your personal data has been stolen and someone tries to apply for a loan in your name. A credit ban also helps you to manage your personal finances.

You can set a voluntary ban on credits for yourself in the e-service of the Positive credit register. When setting the credit ban, you must specify a validity period for the credit ban and give a reason for the arrangement. With your consent, the data can also be disclosed to credit information companies. You can check the validity and content of the credit ban in the e-service.

If you cannot use the e-service, you can also set the credit ban using a paper form.

What are the impacts of the ban on credits?

If you have set a voluntary ban on credits for yourself, lenders must be more careful when granting loans to you. You can view the details of the voluntary ban on credits on your credit register extract. Lenders order the extract when you are applying for a new loan, for example. The credit ban does not have any impact on the use of a credit that has already been granted (such as a credit card).

With your consent, the details of your credit ban are also disclosed to credit information companies.

Giving consent to disclosing data to credit information companies

When you set the credit ban, you can also give consent to disclosing the data to credit information companies (Suomen Asiakastieto Oy and Dun & Bradstreet Finland Oy).

If you give consent to disclosing the information, credit information companies can store the data in their own registers and disclose the information to their customers such as telecommunications operators, lessors, insurance companies and power companies. For example, if you purchase a telephone connection, an insurance policy or an electricity contract, the seller can check your credit details with the credit information companies. In this way, the seller learns about the voluntary ban on credits. The same applies to lessors if you are applying for a rental dwelling.

If you do not give consent to disclosing the data, the lenders can only view the details of your credit ban on the credit register extract. Lenders order the extract when, for example, you apply for a new loan or when someone tries to apply for a loan in your name.

Editing or removing a ban on credits

You can edit a valid voluntary ban on credits at any time in our e-service. You may change the validity period or reason for disclosing the data to credit information companies or consent to the disclosure. You can also remove the credit ban completely. If you cannot use the e-service, you can also use a paper form.

The changes are immediately updated in the Positive credit register. If you have given consent to disclosing information to credit information companies, the changes will be disclosed to them with a one-day delay.

See also

Page last updated 3/4/2026