Incorrect data in the register – what do I do?
9/15/2025Lenders report the details of your loans to the Positive credit register. Lenders must report to the register your new credits no later than the calendar day following the conclusion of the loan contract. On the other hand, when a loan has ended, lenders must remove it from the register within two working days. The same two-day deadline applies to any changes to loans.
We have received a lot of questions about when the loan that has been repaid in full will be removed from the credits listed in the Positive credit register. Therefore, in this newsletter we present summarised information on where you can see the details of your own credits and the deadlines for reporting data. We also provide instructions on what to do if you notice any errors in your data or if your lender does not comply with the deadlines.
Where can I see the details of my loans and what should I do if they show any errors?
When you are granted a new loan, the lender reports the loan information to the register on the calendar day following the conclusion of the loan contract. You can check your up-do-date loan information in our e-service. If you notice any errors in your loan details in the e-service, you should first contact the lender in question. The lender is responsible for the data they have reported and for rectifying them. The quickest way to make the rectification is by the lender.
You can find the lender’s details in the “Loan information” section. Please note that this view shows the marketing name of the lender, which may sometimes differ from the lender’s official name. You can find the official name as follows:
- In the “Loan information” view, first select the loan whose details you want to view.
- Then select “Open all details”.
- You can see the official name of the lender under the “Lender information” heading.
If you cannot reach the lender or managing your affair with the lender fails, you can also contact our customer service. We will help you resolve the error.
Please note that we cannot rectify any loan data entered in the register ourselves. In such cases, we will contact the lender instead and investigate the error. This is because the register only receives and shares data. It does not have access to the lender’s data or loan contracts. We are therefore unable to assess whether a loan has been reported correctly or not.
When is an expired loan removed from the register?
The lender must report any changes to loan details to the register within two working days of the change. Such changes may include the end of the loan, lump-sum loan amortisation, agreed deferment of amortisation and possible delayed amounts in the repayment of the loan of more than 60 days. The deadlines are specified in the act on the Positive credit register. When your loan has ended, the lender must report this to the register within two working days of the expiry of the loan, for example:
- Your loan contract has expired on Friday
- Two working days will be reached on Tuesday of the following week at 23:59.
- Possible mid-week holidays are not counted into the deadline
- The lender must report the expiry of the loan on Tuesday at 23:59 at the latest.
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. You should ask your lender about these in more detail.
Lenders must comply with the deadlines
As the deadlines for reporting data are based directly on the act, lenders must comply with them in their activities. As the register’s controller, we supervise the activities of lenders. If we notice that, for example, a lender repeatedly fails to comply with the deadlines, we can urge the lender to correct the failure. If the lender does not correct the failure despite our request, we can bring the case to the attention of the supervising public authority, which can initiate control measures.
In other words, if you cannot manage your case with the lender, or it takes an unreasonable time for your lender to rectify your data, contact our customer service, and we will further the case.