Marks on your credit record
If we decide on a distraint, for example, place an attachment on something you own, we’ll report it to public registers. Credit rating agencies have access to these registers and will record a mark on your credit record.
A mark on your credit record will make it difficult to get new loans, credit, and subscriptions, such as mobile phone subscriptions.
How you get a mark on your credit record
You can get a mark on your credit record with the credit rating agencies if:
- a decision on a distraint has been made
- you’re registered with a deduction from your income
- an attachment has been placed on your assets
- you’re registered as bankrupt
- you’ve entered a debt settlement scheme
How to remove a mark on your credit record
When the claims included in the mark have been paid, the relevant public registers are notified. Credit rating agencies register and remove marks based on the information they receive from these registers. If you want an overview of the marks on your credit record, you must contact a credit rating agency.
If the claim concerns a maintenance payment, the ongoing deduction from your salary must be stopped before we notify the public registers.
Once we’ve received your payment, it usually takes some time before the removal is updated with financial and credit institutions.