What should I do when I have paid off the debt? If I pay the debt, will the payment default be removed?

When you have paid off the debt associated with the payment default, ask the creditor to submit a payment notification to Asiakastieto. This is the primary and usually the fastest way to get payment information linked to the payment default entry.

If the payment concerns an enforcement entry, please contact the creditor who placed the entry. If you have paid off a debt to National Enforcement Authority Finland, please ask the enforcement authority to notify us of the payment in order to speed up the processing. You can submit the request through the Enforcement Authority's online service or by email at (ulosotto.uo@oikeus.fi). The message must include the person's full name and date of birth. Enforcement entries are deleted in the same way as other payment default entries.

If the creditor is unable to provide Asiakastieto with payment information, you can also provide it yourself. The notification of payment information must include sufficient proof of payment. Such proof is, for example, a written notification received from the creditor about the payment of the debt or an identifying receipt (to whom, what amount, reference information) for the payment.

If you paid the debt through the Enforcement Authority, you may provide the "Debtor's Enforcement Matters" printout, which is available through the Enforcement Authority's online service (ulosottolaitos.fi). Please note that if you submit the certificate yourself, processing may take longer, as we must separately verify its authenticity with the Enforcement Authority.

It is recommended to send your payment details encrypted, and this can be done using Asiakastieto's secured email: go to: https://mail.asiakastieto.fi and send message to the address maksutiedot@asiakastieto.fi

When the credit information agency has received the payment information, the payment default entry will be deleted after 30 days, unless it is an UMS or UMP, which will be deleted immediately after the payment is registered.

If a debt related to an UMS or UMV entry expires and Asiakastieto receives reliable information about it (usually directly from the Enforcement Authority), the UMS entry will be deleted immediately and the UMV entry after 30 days.