Luottotietoyhtiöiden

Luottotietoyhtiöiden (LT) are Finnish companies that provide credit information and related services to businesses and consumers. They operate under the supervision of the Finnish Financial Supervisory Authority (FIN-FSA) and are regulated by the Credit Information Act. LTs collect, process, and distribute credit information, including data on individuals' and companies' creditworthiness, payment history, and other relevant financial details. This information is used by lenders, insurers, and other financial institutions to assess the risk associated with extending credit or insurance. LTs also offer services such as credit scoring, credit reporting, and credit counseling. The most well-known LT in Finland is Dun & Bradstreet Finland, which is a subsidiary of the global information services company Dun & Bradstreet. Other notable LTs include Sampo, Nordea, and Aktia. LTs play a crucial role in the Finnish financial system by facilitating credit and insurance markets and promoting financial literacy.