kreditupplysningsföretag

Kreditupplysning, or credit information, is a service that aggregates and presents data about a person’s or a company’s financial history to help lenders and other parties assess credit risk. A credit report typically includes identity information (such as name and address), payment history, existing debts, and any public records or enforcement actions. It may also contain data from banks, telecom providers, and public authorities. The information is used to form a view of creditworthiness and to support decisions on credit, rental agreements, and other financial commitments.

What is reported can include both positive and negative payment behavior, account status, and, in some cases, past bankruptcies or collection actions. Data sources are usually financial institutions and service providers that report payment history, alongside public records. The information is compiled into a credit file by credit information agencies and provided to approved users for legitimate purposes. Data accuracy and privacy are central, and information should be kept only as long as necessary for the stated purpose.

Uses and rights: Kreditupplysning is commonly used by banks and lenders to evaluate loan applications, by landlords when assessing a tenancy, and by some employers and insurers with appropriate consent. In Sweden, kreditupplysningsverksamhet is regulated to protect individuals’ privacy, and processing falls under data protection rules. Individuals can typically request access to their own credit report and request corrections if information is inaccurate. Lenders must have a legitimate reason to obtain a credit report, and inquiries can influence creditworthiness assessments.

Providers: Major credit information agencies operate in Sweden, with UC AB being one of the leading entities, alongside others such as Bisnode and Creditsafe.