A mark on your credit record will make it difficult for you to get new loans, credits and subscriptions, such as phone subscriptions.

How to get a mark on your credit record

You may get a mark on your credit record with the credit rating agencies if: 

• attachment proceedings have been held 
• you’re registered with an attachment on earnings 
• there is an attachment on any properties, accounts or securities  
• you’re registered as being bankrupt 
• you have entered a debt settlement scheme 

Pay the claim to avoid a mark on your credit record or to have it deleted.

How to delete a mark on your credit record

When you’ve paid what you owe or the deductions from your salary has been stopped, the relevant public agencies will be notified. The credit rating agencies register and delete the mark on your credit record based on their access to these registers. If you wish to see an overview of the marks on your credit record, you must contact a credit rating agency. 

It’ll usually take some time from we receive the amount from you, until the deletion of the mark is registered by the financial and credit agencies.