Frequently asked questions

The new legislation is not yet adopted

Legislation on the Positive credit register is being discussed in the Parliament. The planned effective date is 1 August 2022.

A selection of topical questions are listed below. We update this FAQ page on a regular basis.

Find no answer? You are very welcome to send e-mail to: luottotietorekisteri (at) to ask a new question.


Why is the Positive credit register established?

The Finnish government’s objective is to help prevent households from taking on too much debt. Accordingly, the program to create a new positive credit register aims for reaching this objective in the future. Because the register will contain up-to-date information on individuals’ current debts – and on their current income – it provides a sounder basis on which credit institutions can evaluate any individual’s ability to repay their loans. This contributes to prevention of excessive debt.

Currently, the Tax Administration requires all lenders to file an Annual information return on loans and interest. Will the Positive credit register replace this?

No, it will not. According to the Government Proposal on the Positive credit register (in Finnish), the Tax Administration will not be among the public authorities that receive data from the Positive credit register.

Is information on individuals’ defaulted payments entered in the Register?

No, it is not.

Are landlords allowed to search credit information on a prospective tenant before making a rental contract?

According to the Government Proposal on the Positive credit register (in Finnish), owners of rental property will not get access rights to the registered data.

Information security: Frequently asked questions

How will the personal data held on the Register be protected?

The Positive credit register will have the “raised level” of information security. This means that there is always a protected environment where information is saved and processed.

What does the raised level of information security mean?

The Positive credit register complies with the guidelines adopted by the IT administration of the central government known as “VAHTI guidelines”. Raised level means that a number of secure procedures regarding IT technology and management are put in place.

Can all the outside parties designated as data users get all the information from Positive credit register?

No, there are heavy restrictions on the distribution of registered data. The law will determine the extent of data access for each data user.

Let us suppose that I find out what my neighbour’s personal identity code is. Can I use that code to look up their credit information?

No, you cannot. The Positive credit register’s e-service only allows users to see the credit information that concerns the users themselves.