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If you believe that a credit reference agency has information about you in its records that is incorrect or misleading, you can contact the agency and ask for a correction.

The primary purpose of the Credit Information Act is to protect data subjects' personal privacy but the law is also to contribute to efficient provision of credit information.

The primary purpose of the Credit Information Act is to protect data subjects' personal privacy but the law is also to contribute to efficient provision of credit information.

A licence from the Swedish Authority for Privacy Protection is normally required to operate credit reference activities. We decide on licences to operate credit reference activities only if the activities can be assumed to be carried on in a knowledgeable and judicious manner. Our evaluation is based on the type and scope of the planned activities.

The Swedish DPA has issued an administrative fine of 35 000 EUR against Mrkoll.se – a website that publishes personal data of all Swedes above the age of 16 – for infringement of the Credit Information Act and the GDPR. The website has carried out credit information activity in a way that is not in compliance with the law.

On this page you will find answers to the most frequently asked questions that IMY receives about payment default records.

You can call IMY for guidance on general questions within the scope of our assignment. We cannot give you binding information or answers to questions in individual cases. Neither can we answer whether, for example, a particular personal data processing is lawful or whether a camera surveillance is carried out correctly.

Here are all the forms that you, as a representative of an organisation, can use. Read our information carefully before filling in a form.

You can file a GDPR-complaint or request a lawfulness check by filling out our complaint form.

We work to protect all your personal data, such as information about your health and finances, ensuring it is handled properly and does not fall into the wrong hands. Here you can read more about our mission and how we operate.