What is the positive credit register?

The positive credit register is a national register which allows information on private individuals’ loans and income (wages, pensions and benefits) to be stored in one place. The register helps private individuals manage their personal finances more easily, as they are able to get a better overview of their loans. Lenders can also obtain consistent and up-to-date information from the register when granting loans to private individuals.

The positive credit register was introduced on 1 April 2024.

How private individuals and lenders can use the positive credit register from 1 April 2024 onwards:

  • Private individuals can access an online service in which they can view their outstanding loans and their income details from the Incomes Register. The online service enables you to easily see all your loans from different lenders in one place. You can also use the service to set a free ban to prevent lenders from granting you credit. As an example, if you suspect that you are a victim of identity theft, you can set a voluntary credit ban for yourself, which is valid until further notice or for a fixed period.
  • Lenders are required to check a private individual’s loan and income data from the positive credit register to assess the person’s repayment ability when they are applying for a loan. As an example, if you apply for a new loan from Nordea, we will obtain information about your other loans as well as information about your wages, pensions and benefits directly from this register. This will make the loan application process faster and you no longer need to provide us with this information yourself.

The positive credit register only contains information about certain types of loans held by private individuals, such as home loans, student loans, consumer loans, credit cards and hire-purchase finance. The register is updated constantly, as lenders report information about private individuals’ loans to the register.

Why has the positive credit register been established?

The establishment of the positive credit register is based on the Act on the Positive Credit Register. The purpose of the register is to prevent households from taking on too much debt.

The Act clearly specifies who is allowed to use the data in the register and for what purposes. Private individuals only have access to their own data in the register.

The positive credit register is maintained by the Incomes Register Unit of the Finnish Tax Administration.

Read more about the positive credit register on the Tax Administration’s websiteOpens new window

Frequently asked questions

Beware of scams

If you receive a text message asking you to verify your data in the positive credit register, this is a scam. Don’t click on the link in the message.

The positive credit register does not require you to verify any data via text message or email.

Read about how to protect yourself from scams