{"id":21,"date":"2026-05-11T09:00:08","date_gmt":"2026-05-11T09:00:08","guid":{"rendered":"https:\/\/www.lainafy.com\/luottotiedot-ja-laina\/"},"modified":"2026-05-12T08:32:13","modified_gmt":"2026-05-12T08:32:13","slug":"luottotiedot-ja-laina","status":"publish","type":"post","link":"https:\/\/www.lainafy.com\/en\/luottotiedot-ja-laina\/","title":{"rendered":"Credit records and loans \u2013 How they affect getting a loan"},"content":{"rendered":"<p>Credit records are the lender&#8217;s most important tool in evaluating your creditworthiness. This guide explains what credit records are, how they affect loan approval, and how to keep them in good shape.<\/p>\n<h2>What are credit records?<\/h2>\n<p>Credit records tell the lender how you have handled your previous payment commitments. In Finland, credit records are primarily maintained by <strong>Suomen Asiakastieto Oy<\/strong>, which manages the credit registry.<\/p>\n<p>Credit records contain information about:<\/p>\n<ul>\n<li>Payment defaults and their number<\/li>\n<li>Current debts<\/li>\n<li>Debt collection judgments<\/li>\n<li>Unpaid bills that have gone to enforcement<\/li>\n<li>Voluntary self-imposed credit bans<\/li>\n<\/ul>\n<h2>How do credit records affect getting a loan?<\/h2>\n<h3>Clean credit record<\/h3>\n<p>If you have a clean credit record (no payment defaults), you get the best loan terms and lowest rates. Most lenders can grant the loan.<\/p>\n<h3>Payment default<\/h3>\n<p>A payment default significantly complicates getting a loan:<\/p>\n<ul>\n<li>Most Finnish banks and lenders <strong>do not grant loans<\/strong> to people with payment defaults.<\/li>\n<li>The rate is typically higher.<\/li>\n<li>Loan amount is smaller.<\/li>\n<li>Repayment period may be limited.<\/li>\n<\/ul>\n<h3>Multiple credit checks in a short time<\/h3>\n<p>If you apply for several loans the same week, lenders may interpret it as desperate financial need. This can raise rates or lead to rejection.<\/p>\n<div class=\"lainafy-cta-block\">\n<h3>Compare loans now<\/h3>\n<p>See all offers side by side \u2013 free and without commitment.<\/p>\n<p><a href=\"\/?lang=en#vertailu\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start loan comparison \u2192<\/a><\/p>\n<\/div>\n<h2>How to check your own credit records<\/h2>\n<p>You have a legal right to check your own credit records <strong>free of charge once per year<\/strong>. You can do this from:<\/p>\n<ul>\n<li><strong>Suomen Asiakastieto Oy<\/strong> \u2013 online service omatieto.fi<\/li>\n<li><strong>Bisnode Finland Oy<\/strong> \u2013 online service<\/li>\n<\/ul>\n<p>Check your records <strong>before applying for a loan<\/strong> so you know what the lender will see.<\/p>\n<h2>How to improve your credit records<\/h2>\n<h3>1. Pay all bills on time<\/h3>\n<p>This is the most important. Avoid late bills that can lead to collection actions.<\/p>\n<h3>2. Handle old default marks<\/h3>\n<p>Old payment defaults stay in the registry for 2\u20134 years. If you pay the debt in full, you may request removal of the mark in certain situations.<\/p>\n<h3>3. Avoid unnecessary credit applications<\/h3>\n<p>Don&#8217;t apply for loans you don&#8217;t really need. Every application leaves a mark.<\/p>\n<h3>4. Don&#8217;t take on too many debts<\/h3>\n<p>The more active loans you have, the riskier you appear to new lenders.<\/p>\n<h3>5. Use loan consolidation<\/h3>\n<p>If you have several small loans, consider <a href=\"\/?lang=en\/lainojen-yhdistaminen-opas\/\">loan consolidation<\/a> into one larger loan.<\/p>\n<h2>Duration of payment default marks<\/h2>\n<p>The duration depends on the type:<\/p>\n<ul>\n<li><strong>Unpaid bills:<\/strong> 2 years<\/li>\n<li><strong>Debt collection judgments:<\/strong> 3 years<\/li>\n<li><strong>Enforcement:<\/strong> 4 years (sometimes longer)<\/li>\n<li><strong>Bankruptcy:<\/strong> 5 years<\/li>\n<\/ul>\n<p>The mark is removed automatically after the period, if no new marks are added.<\/p>\n<h2>Frequently asked questions<\/h2>\n<h3>Can I get a loan with a payment default?<\/h3>\n<p>Most Finnish lenders don&#8217;t grant loans to people with payment defaults. Specialised lenders exist but rates are usually much higher.<\/p>\n<h3>Can I apply for a voluntary credit ban?<\/h3>\n<p>Yes. Suomen Asiakastieto Oy allows a voluntary credit ban that prevents new loans from being granted. Useful e.g. to protect against identity theft or impulse borrowing.<\/p>\n<h3>Does just comparing affect my credit record?<\/h3>\n<p>No. Comparison on Lainafy is completely anonymous and leaves no trace. A credit check is only made when you submit an actual loan application.<\/p>\n<div class=\"lainafy-cta-block\">\n<h3>Save hundreds by comparing<\/h3>\n<p>Compare loans now \u2013 it takes less than a minute.<\/p>\n<p><a href=\"\/?lang=en#vertailu\" class=\"lainafy-btn lainafy-btn--accent lainafy-btn--lg\">Start comparison \u2192<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Credit records determine whether you get a loan and on what terms. Read what they contain, how they affect your application, and how to improve them.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-21","post","type-post","status-publish","format-standard","hentry","category-luottotiedot"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Luottotiedot ja laina \u2013 N\u00e4in ne vaikuttavat lainan saamiseen - Lainafy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lainafy.com\/luottotiedot-ja-laina\/\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Luottotiedot ja laina \u2013 N\u00e4in ne vaikuttavat lainan saamiseen - Lainafy\" \/>\n<meta property=\"og:description\" content=\"Credit records determine whether you get a loan and on what terms. 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