According to the Credit Information Act, personal credit information may be inquired on the following grounds:
- Credit granting
- Credit controlling
- Debt-collection planning
- Person in charge status (assessment of a company or person in charge)
- Tenancy agreement
- Assessment of a job applicant or employee
- Authority's statutory right to information or granting of authority support
- Guarantee or pledge
- Specification of terms and conditions of contract when it is not allowed to refuse from the contract
- Certificate on the ability to take care of obligations and prevention of money laundering
- In addition, credit information may be inquired with the person's express own consent.
In connection with the information inquiry, the user of credit information must inform the purpose of use of the information. Information on the inquirer and purpose of use of the inquiry is always left in the credit information register. Checking the credit information of another person without a statutory reason is a crime or offence, for which the inquirer may become responsible.