The Credit Information 

Credit reference agencies collect information about individuals' financial and personal circumstances and companies' financial circumstances. Everyone over the age of 15 is registered at the major credit reference agencies.

The primary purpose of the Credit Information Act is to protect data subjects' personal privacy but the law is also to contribute to efficient provision of credit information. Information relating to private individuals may only be disclosed if there is a legitimate need, for example in the case of credit rating, and the person concerned is to receive a copy of the information for them to be able to check that the information is accurate.

Anyone who operates a credit information business must normally have permission from Swedish Authority for Privacy Protection (IMY). We check that the business is run in a proper fashion. A company that neglects its duties may be liable for damages and the person responsible can be sentenced to fines or imprisonment. You can see who has a licence to operate credit reference activities under Current licence-holders.

From 25 May 2018 the General Data Protection Regulation (GDPR) is applied regarding the processing of personal data. The Credit Information Act has been adapted to the General Data Protection Regulation as regards what requirements are to be set concerning processing of personal data and what information is to be provided to the data subject.

Current licence-holders

A licence from Swedish Authority for Privacy Protection is normally required to operate credit reference activities. On this page you will find all the holders of a licence to operate credit reference activities issued by Swedish Authority for Privacy Protection. The list is updated continuously:

Read the complete list of licence holders (In Swedish)

The information is presented alphabetically in the following order:

1. The company's name
2. Corporate identity number (not stated for a sole proprietorship)
3. Location
4. Reference number