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If you fail to pay your bills or debts, an entry on your payment problems can be made in the credit information register. This entry may, for example, make it more difficult for you to get rented accommodation. Furthermore, a person’s credit details may be checked before that person is employed in an occupation where the employee will be directly responsible for the employer’s assets.

Simply neglecting to make a payment will not affect someone’s credit status. Actual default requires a certain period of time to have passed, and the creditor must endeavour to warn the debtor that his/her name will appear in the credit information register. The first entry in the credit information register is followed by a written notification of this to the debtor. Those with an entry in the register have the right to know who has been informed about their credit status.

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