Krediidiinfo

Krediidiinfo is an Estonian credit information service that collects, maintains and distributes data about the credit histories of individuals and companies. It provides lenders, landlords and other service providers with reports and risk assessments to support credit decisions and customer management.

The service aggregates information from banks, financial institutions, telecom operators and public records. Typical content includes payment history, current debts, loan and credit card exposure, defaults, and any insolvency or court judgments for individuals; for companies, financial statements, registration data and payment behavior. It may also offer identity verification checks and ongoing credit monitoring.

Clients use credit reports, scores and monitoring tools to evaluate credit risk and monitor changes in borrowers’ profiles. Individuals can request access to their own file, review data for accuracy and request corrections; lenders may require consent-based checks for new applications or ongoing verification.

Privacy and legal framework: Processing is governed by GDPR and Estonian data protection legislation. Data subjects have rights to access, rectify, restrict or object to processing, and to request erasure where permitted. Data is retained only as long as needed for the stated purposes and by law, with appropriate security measures.

Regulatory environment: Krediidiinfo operates under national law on credit information and is overseen by the Estonian Data Protection Inspectorate and other relevant authorities. It participates in international data protection and consumer credit standards to ensure data security and confidentiality.