Consumer credit information classification

Consumer credit information classification 2.0

In short Use this API to receive easy to read score to asses person's credit information.

Description

  • Person´s credit information and payment defaults, and their total amounts and creditors

  • Information about guardianship, own credit bans or business ban

  • Person´s business connections

  • Classification

The classification emphasizes the number, quality and total amount of defaults. The classification returns the class (1-5), score (0-100), comments and accurate credit information.

Conditions of usage

Consumer credit information may only be used for purposes according to Section 19 § of the Credit Information Act:

  • Credit granting and credit control

  • Planning of debt collection

  • Preventing of money loundering / KYC responsibilities (only for obliged entities under the AML ACT)

  • Tenancy agreement

  • Person in charge status (assessment of a company or person in charge)

  • Assesment of a job applicant or employee

In addition to legitimate need, it is required to have an agreement with Asiakastieto in order to use Asiakastieto’s services.