Information about the register
The Positive credit register contains information about private individuals’ loans and income. In addition to the loans currently reported, loans granted to natural persons other than consumers will also be reported to the register starting 1 December 2025. They include loans granted to business name entrepreneurs or agricultural operators, for example.
The objective of the register is to:
- prevent households from taking on too much debt
- improve the lenders’ ability to test the loan applicants’ creditworthiness
- help individuals manage their finances better
- provide reliable information on the credit market
- make it easier to monitor and supervise the credit market.
The activities of the register are laid down in the Act on the Positive Credit Register. The controller is the Finnish Tax Administration’s Incomes Register Unit.
Latest on the register
We hold regular stakeholder events where we discuss current issues concerning the register and answer any questions stakeholders might have.
Also follow our news bulletins to stay up to date
How does the register work?
How does the register work? What information is stored there and who can use the data?
Learn about the operating principles and data contents of the register:
Contact us
Our customer service is open from Monday to Friday from 9 am to 4 pm (at 9 am – 3 pm in July).
Contact information for customer service
Use our observation form to report observations or disturbances.
Use our feedback form to provide feedback.
Who reports data to the register?
You can check on our website which organisations report data to the Positive credit register.