Consumer Rating Alfa - the most reliable forecast on a consumer's creditworthiness

Consumer Rating Alfa tailored for the needs of companies in the financial and insurance sector forecasts a consumer's future payment default more accurately than any other classification. It analyses the consumer's credit data and participations in companies from the most comprehensive and most frequently updated company and credit information database in Finland. In addition it takes into account and models socio-economic data and gives a very accurate estimate of the payment default risk within the next 12 months.

The service is only available for the companies in the financial and insurance sector that fall within the scope of the Financial Supervisory Authority of Finland.

Make the most of the solid classification, exact risk points, and comprehensive report
Consumer Rating Alfa divides all Finns and persons living in Finland into seven creditworthiness classes, from excellent to poor: AAA - C. Upon assessing payment ability, you can either use the ready-made class or, according to the needs of your organisation, exact risk points. Consumer Rating Alfa is also a multiple-page report on the consumer's credit data, participations in companies, and population data. The service rates all consumers, also those with no payment defaults, and it takes more closely into account the person's activity in business.