You can get a payment default, if a payment related to a claim or service has been unpaid long enough. In consumer credit defaults, the payment must be over 60 days overdue. If the payment for a debt is claimed at the District Court, the court decision generates the payment default entry. In addition, a payment default entry can be filed by the enforcement authority.

Credit information is used in different types of decision-making. For example, credit information is used when granting a monetary credit, opening a telephone subscription, selling on invoice, renting an apartment, making insurance contracts and opening accounts with credit. In many cases, a credit information entry may be an obstacle, or it may essentially complicate the making of many contracts.

By inspecting your credit information, you get to know what information the credit grantor sees when granting a credit. This way you can better prepare yourself for credit applications or credit negotiations. Even though errors in credit information are scarce, by inspecting your own information you can make sure that the information is correct. If a person has credit information entries, by inspecting your own information you will also find out who has requested your information and when. This way you can make sure that the credit information has been disclosed only for appropriate purposes. After the inspection of own information, you can also plan how to improve the credit information by linking a ref entry to the payment defaults, indicating that the claims behind the entry have been paid.

Settling a payment after the payment default entry has been registered does not remove the entry. An exception to this is the entries of limited enforcement and lengthy enforcement stated by the enforcement authority, which are erased when the enforcement authority sends a written notice of the payment of the claim or of the debt falling under the statute of limitations. Note on the statutory limitation concerning an administrative limited enforcement entry (e.g. collection expenses) is linked to the entry. The entry will not be erased.

You can buy an extract of your own credit information from our service. Please, acquire the extract of your own credit information here.

When you wish to regularly monitor your credit information and secure your information against identity theft, you should acquire the Omatieto service. You can buy the service for a month or a year at a time. You can retrieve reports from the service always when you need them. Please, acquire the service here.

You can inspect your own credit information by using the statutory inspection right. The statutory inspection right is free of charge once in 12 months. This can be done by visiting Asiakastieto's consumer service desk at the address Hermannin rantatie 6, 00580 Helsinki. The consumer service desk is open Mon - Fri, 1 p.m. - 3 p.m. The person inspecting their information must prove their identity with an identity card, driver's license or passport. The statutory inspection right can also be used by sending a free-format written request to Asiakastieto either by mail or e-mail (omatieto@asiakastieto.fi). The request must include the personal identity number, home address, personal signature and clarification of signature, and a clear copy of the identity card with signature. If you wish to get the reply by e-mail, remember to give your valid e-mail address in the request.

The letter tells that the first payment default entry has been registered to you in Suomen Asiakastieto Oy's credit information database. The credit information register is used e.g. for the assessment of a consumer's payment ability, when they are making purchases on or contracts with credit.

If you detect an error in the information, it can be rectified either on the basis of a written and justifiable rectification request delivered by the debtor or some other reliable clarification. The rectification request must contain at least the following: name of the party presenting the request, identity number and contact information, information which is considered incorrect, grounds why the registered information is incorrect and a request to get a written certification of a possible negative decision. The rectification request can be sent to: Suomen Asiakastieto Oy, kuluttajaneuvonta, PL 16, 00581 Helsinki

You can get a payment default, if a payment related to a claim or service has been unpaid long enough. In consumer credit defaults, the payment must be over 60 days overdue. If the payment for a debt is claimed at the District Court, the court decision generates the payment default entry. In addition, a payment default entry can be filed by the enforcement authority.

Credit information is used in different types of decision-making. For example, credit information is used when granting a monetary credit, opening a telephone subscription, selling on invoice, renting an apartment, making insurance contracts and opening accounts with credit. In many cases, a credit information entry may be an obstacle, or it may essentially complicate the making of many contracts.

You can get support for financial problems, among others, from the financial and debt counselling at legal aid offices and the Guarantee Foundation. Please, find more information on these organisations below.

Financial and debt counselling at legal aid offices Financial and debt counselling is a statutory service, which is free of charge to the customers. Counselling is organised by legal aid offices. The website of the financial and debt counselling at https://oikeus.fi/oikeusapu/fi/index/talous_ja_velkaneuvonta.html provides ample instructions on the balancing of the financial situation. At the same address, you can also find the contact information for the financial and debt counselling in your own area.

Guarantee Foundation

Guarantee Foundation is a national organisation in the social field which assists private persons struggling with a financial crisis in solving their debt and payment problems.

Guarantee Foundation offers counselling by phone and gives instructions for solving debt problems. The foundation grants e.g. guarantees for bank loans, with which debts can be combined in a situation of over indebtedness and organises support person activity to persons who find themselves in a financial crisis. You can call the Guarantee Foundation's Debt Line for free in Finland and discuss the financial troubles concerning you or your family members. The Debt Line operates at the number 0800 9 8009, Mon-Fri, 10 a.m. - 2 p.m. Alternatively, you can contact Guarantee Foundation through their chat. More information and instructions are found on the Guarantee Foundation's website www.takuu-saatio.fi.

If you have paid a debt related to a payment default in its entirety, this can be reported to Suomen Asiakastieto Oy. Information on the settlement of the payment (ref entry) is linked to the payment default entry. The settlement of the payment must be notified in writing. A reliable statement of the settling of the payment must be attached to the notice; for example, a certification provided by the creditor or some other reliable statement. The ref data is based on the data subject's request. Ref data are entered on the following weekday from the receipt of the data, at the latest. Ref data are processed in the order of arrival.

By inspecting your credit information, you get to know what information the credit grantor sees when granting a credit. This way you can better prepare yourself for credit applications or credit negotiations. Even though errors in credit information are scarce, by inspecting your own information you can make sure that the information is correct. If a person has credit information entries, by inspecting your own information you will also find out who has requested your information and when. This way you can make sure that the credit information has been disclosed only for appropriate purposes. After the inspection of own information, you can also plan how to improve the credit information by linking a ref entry to the payment defaults, indicating that the claims behind the entry have been paid.

Settling a payment after the payment default entry has been registered does not remove the entry. An exception to this is the entries of limited enforcement and lengthy enforcement stated by the enforcement authority, which are erased when the enforcement authority sends a written notice of the payment of the claim or of the debt falling under the statute of limitations. Note on the statutory limitation concerning an administrative limited enforcement entry (e.g. collection expenses) is linked to the entry. The entry will not be erased.

You can inspect your own credit information by using the statutory inspection right. The statutory inspection right is free of charge once in 12 months. This can be done by visiting Asiakastieto's consumer service desk at the address Hermannin rantatie 6, 00580 Helsinki. The consumer service desk is open Mon - Fri, 1 p.m. - 3 p.m. The person inspecting their information must prove their identity with an identity card, driver's license or passport. The statutory inspection right can also be used by sending a free-format written request to Asiakastieto either by mail or e-mail (omatieto@asiakastieto.fi). The request must include the personal identity number, home address, personal signature and clarification of signature, and a clear copy of the identity card with signature. If you wish to get the reply by e-mail, remember to give your valid e-mail address in the request.

If you check another person's credit information, it is important to handle the obtained information carefully. The information must not be disclosed or told to a third person or party. It is also forbidden to publish the information in any way. Because personal credit information may only be checked for purposes pertaining to law, the inquirer of the information must also at a later date be able to give the reason for the credit information inquiry. If the inquired person has credit information entries, they can, when they so wish, get information on who has asked their information and when.

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.

The employer may use credit information of an employee already chosen for a particular duty, when the work requires special reliability and there is a possibility for pursuing illegal financial benefit. The employer also has the respective right if the employee's duties change during the work relationship so that they fulfil the above-mentioned criteria. The employer has the right to obtain personal credit information concerning a job applicant if they are hiring for duties that involve the power or independent discretionary power to make significant financial commitments including the granting and controlling of financially significant credits, in the administration of which the employee is given access to specially protected trade secrets of key significance for the employer or its customer; that require access rights to information systems that will allow the transfer of the employer's or its customer's funds, or modify the related information, or in which the employee is granted system administrator rights to such an information system; that essentially involve the processing, without any immediate supervision, of large amounts of money, or securities or valuable items; that involve the guarding of the employer's or its customer's property; or that, as a rule, involve working in a private home without supervision.

The party acquiring personal credit information must inform the object of inquiry of the use of information in advance when the inquiry is made for the following reasons: Credit granting Making a tenancy agreement When giving a guarantee or pledge Specification of terms and conditions of contract (when it is not allowed to refuse from the contract, necessity goods) The inquirer of information must tell the object of inquiry, from where the register information is acquired (Suomen Asiakastieto's credit information register). The notice can be made verbally or in writing before the acquisition of information. Further, if the credit application is rejected due to credit information, the subject of inquiry must be informed of this.

Only the persons, who have entries in the credit information can, when exercising their statutory inspection right, get to know to whom their credit information has been disclosed. Asiakastieto is not allowed to keep in the credit information register data on an inquiry of a person who has no credit information entries. A person who has acquired the Tietovahti (ID guard) service receives a notification of an inquiry made of them to the e-mail. By logging in to the Tietovahti service, a consumer gets information on the inquirer. Data of inquirers are stored in the Tietovahti service for the duration of its validity period; however, at most one year.

In our service, you can pay with bank identifiers and credit card.

After the payment, the report you bought can found inside My Omatieto ¿ service for 30 days. Log in to the service here: https://www.asiakastieto.fi/omatieto/fi/signin

In order to buy a report or service on the Omatieto website, you will need your own bank identifiers to identify to the service. Identification by bank identifiers is our way to make sure that we only convey data to those to whom they belong. If you are a user of Minun Omatietoni service, you can create a user ID and password after the identification, and in the future, you can use our service faster by using these identifiers instead of bank identifiers. If you buy information on another person, for example, for renting an apartment, you will also need the personal identity number of this person.

After you have paid the service/report, we will automatically send you a receipt for your purchase to your e-mail. You can also get the receipt by logging in to My Omatieto service after purchasing the report or service.

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