Frequently asked questions

According to the Credit Information Act, anyone requesting a credit report on an individual must have a legitimate need for the information. This means that the requester has entered into or be about to enter into a credit agreement with the person the credit report concerns, or otherwise have a reason to make a financial risk assessment. If this is not the case, the credit report should not be issued.

The credit reference agency issuing a credit report is responsible for ensuring that there is a legitimate need. If a credit report about you has been obtained without a legitimate need, you should contact the credit reference agency. They will then investigate what has happened and inform you of their position on the matter. You can also contact the enquirer yourself to find out why he or she has requested a credit report on you.

The Credit Information

If you believe that a credit reference agency has incorrect or misleading information registered about you, you can ask the credit reference agency in question to investigate the matter. The company should then investigate the matter as soon as possible and get back to you with its position.

If the incorrect or misleading information has been obtained from the Enforcement Authority's register (Kronofogden), you can also contact the Enforcement Authority in order to apply for correction. If the Enforcement Authority corrects the information, the correction will automatically be sent to the credit reporting agencies.

The Credit Information

Correction of data (Enforcement Authority)