kredittbyrå
A kredittbyrå, or credit bureau, is a company that collects and compiles information on the creditworthiness of individuals and businesses. This information is primarily used by lenders to assess the risk of lending money to a borrower. Kredittbyråer gather data from various sources, including banks, credit card companies, and public records. This data includes payment history, outstanding debts, credit limits, and public information like bankruptcies or court judgments.
The information held by a kredittbyrå is compiled into a credit report, which is a detailed summary
In many countries, regulations govern the operations of kredittbyråer. These regulations often include provisions for data