Credit Status is an online debt register that gives creditors and lenders insight into customers' information about existing loans, credits and debts.
Credit Status is a product published by Norwegian Experian, formerly known as RKI(Ribers Kredit Information).
What can credit status be used for?
Credit status allows you as a company, creditor and creditor to get an overview of your customers' credits - if the customer has one of the participating creditors and they have sent information to the platform.
Credit status allows lenders to make credit assessments based on the information available on the platform, provided it is relevant to the lender and accessible to the consumer.
In addition to using the system to make credit assessments, the company can also use credit status to verify the borrower's name and address, see the number of lenders, the number of agreements, the types of loans taken out, when the credits were established and what the original principal amount was.
In addition, the credit status shows whether a loan/credit is in arrears and therefore not paid.
På platformen kan virksomheder, kreditorer og långivere se eksisterende kreditaftaler, indtil de bliver indfriet, samt hvilke der er blevet indfriet inden for de seneste 6 måneder.
Participating lenders
Currently, there are only 13 banks and lenders that are enrolled in credit status and thus send credit information to CreditStatus.
The participating lenders are:
- Bank Norwegian
- COOP Bank
- Express Bank
- EnterCard Denmark
- Facit Bank
- Ikano Bank
- Nordea Finance
- Qliro
- Resurs Bank
- Santander
- SEB
- Spar Nord
- TF Bank
The above list is as of September 2024 - it may have grown or shrunk since then.
RKI and credit status are not the same thing
Som online platform for kreditopslag er vi dagligt i dialog med mange virksomheder om løsninger inden for kreditdata, KYC og kreditanbefalinger.
We often hear questions about RKI and credit status - and many people mistakenly think that RKI and credit status are the same thing, but they are not.
Both RKI and credit status are published by Norwegian Experian (formerly Ribers Kredit Information) and are basically both debt registers - registers of debt for private individuals and companies.
Den fundamentale forskel er dog, at RKI er et register over misligholdte forhold, herunder misligholdte kreditter eller ubetalte fakturaer, mens kreditstatus blot viser eksisterende gældsforhold hos de deltagende banker og långivere.
On CreditStatus, you can also see debts that are in arrears.
Both RKI and credit status can be used separately, but both for the purpose of contributing to the credit rating of customers.
See your own credit status
As a consumer, you have the option to view your own credit status by logging in to the website with MyID.
On this page, you can view your existing credit agreements as well as the credit agreements that have been repaid within the last 6 months. Keep in mind that you must have one of the participating lenders to view the information.
Få hjælp til kreditopslag med Qatchr
Qatchr er et online værktøj til kreditopslag – udviklet i samarbejde med en af Nordens største inkassofirmaer, Collectia.
With Qatchr, we've made it easy for you to gain insights into your customers' financial situation, public accounts and much more.
Qatchr kan foretage kreditopslag af både privatpersoner og virksomheder og kan på baggrund af en lang række forhold og parametre hjælpe kreditorer og långivere med anbefalinger om kreditstørrelser, kredittid og meget mere.
Get a free, no-obligation demo of Qatchr today.
