luottoraportteja

Luottoraportti, known in English as a credit report, is a document that details an individual's or company's credit history. It is compiled by credit reporting agencies based on information from lenders, creditors, and public records. The primary purpose of a luottoraportti is to provide potential lenders, landlords, and employers with an assessment of an entity's creditworthiness and reliability in managing financial obligations.

The information contained within a luottoraportti typically includes a summary of credit accounts, such as loans, credit cards, and mortgages, along with payment history, outstanding balances, and the length of time accounts have been open. It may also list inquiries made by creditors seeking to access the report, public records like bankruptcies or judgments, and demographic information. Lenders use this report to evaluate the risk associated with extending credit and to determine appropriate interest rates and terms. A good luottoraportti indicates a strong ability to repay debts, while a poor one may signal a higher risk. Individuals have the right to access their own luottoraportti and to dispute any inaccuracies.