Check credit information for free Easy InstructionsOn June 26, 2019 by admin
When applying for a loan, the loan provider may check the applicant’s credit history with the register. In this situation, the action is automatic and the applicant does not have to worry about anything other than pure credit history, but certain situations require some activity on their part and retrieval of credit information themselves.
These situations may include, for example, applying for a rental home or seeking a guarantee from the Guarantee Fund. These instructions will help you easily check your credit information on a case-by-case basis.
Is credit check free?
By law, an individual can inspect their own credit information for free. So you can use your legal right of scrutiny and see for free what information you have in the credit register. You will also see any default payment entries for free. The credit check also includes any outstanding payment default entries.
If you need to ask for credit information more than once a year, there is an extra charge. So remember that you can check your credit information for free only once a year.
If you need your credit information to apply for a loan, start the loan comparison process. You can find the cheapest loan easily in our comprehensive and unbiased loan comparison:
Who can check my credit history?
Every individual has the right to verify their own credit history. It is possible to check your own credit information once a year for free. No other person’s credit history may be verified without a valid reason provided by law.
Therefore, you cannot view the credit history of another person without valid reason or the consent of another person. However, if you are renting your apartment, for example, you can check the credit history of a potential tenant. However, it is a good idea to seek consent in advance.
What do you see in your credit history?
A credit record record is usually a search for information on defaults, but it is not the only piece of paper to get rid of. In fact, the credit history also shows to whom the information has been disclosed in the last 12 months and where the information is stored in the register.
In addition to the default entries, the credit information shows the date of the entry and where it came from. The period of validity of the entries shall also be stated. If you do not have default payment entries, the registry will serve as a certificate of pure credit history.
Checking your own credit information makes sense every now and then because you will keep a copy of your credit history. For example, if the landlord of a new home wants information about credit notes, it is convenient to send it directly to the landlord.
Free credit check
The credit register is maintained by Good Finance, whose data is based on credit notes. As an individual, you can check your own credit information free of charge from two different registers, Good finance or Good Lender Finland Oy. If you are looking for free information, it’s a good idea to be on time, as the process can take a while. For those who are looking for information quickly, there are paid third-party services that work a bit faster.
Information search from Good finance
You can request your own credit information from Good Finance using a few different routes. You can request credit information from:
- by email: You can send a free written request to firstname.lastname@example.org. Be sure to include your personal identification number, home address, handwritten signature and name clarification, and a copy of your ID. If you want a reply to your email, please include your email address in the request.
- by post: Send a free form written request with the above attachments to Hermannin rantatie 6, 00580 Helsinki.
- Alternatively, for those living in the Greater Helsinki area, visit the Customer Service Helpdesk on Hermann’s Promenade on weekdays 13-15. Bring your ID or driver’s license or passport.
If the design of your voluntary request is challenging, you can use the completed form on the Customer Information page. Print the form, fill it out, and then follow the steps above.
Information search from Good Lender Finland
Credit information can also be requested from the Good Lender Register. Good Lender has a convenient online service where you can successfully check your credit information. The link at the end of the story will take you to the Good Lender service.
You can also request credit information by mail from Good Lender. In this case, fill in the written request form and send it by mail or fax to the following address:
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