Krediittimerkintöjä

Krediittimerkintöjä are entries in a credit information register that record an individual's or company's payment history and creditworthiness. In Finland, these registers are maintained by private companies, such as Suomen Asiakastieto Oy and Bisnode Oy.

A krediittimerkintä can be triggered by various payment defaults, including overdue invoices, unpaid loans, and bankruptcy proceedings. These entries are typically made after a formal reminder process has been followed and the debt remains unpaid. The information recorded in a credit information register can affect an individual's or company's ability to obtain new credit, such as loans, mobile subscriptions, or rental agreements, as lenders and service providers use this information to assess risk.

The purpose of krediittimerkintöjä is to provide a basis for informed decision-making in credit transactions, thereby reducing financial risks for businesses. It is important for individuals and companies to be aware of their credit history and to address any outstanding debts promptly to avoid negative entries. Once a debt is settled, the krediittimerkintä is usually removed from the register after a specified period, often ranging from a few months to several years, depending on the nature of the default and the applicable regulations.