Credit data entries in force

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krapulassa
Posts: 37
Joined: Thu Sep 03, 2020 8:23 pm

Credit data entries in force

Post by krapulassa » Sun Dec 20, 2020 12:52 pm

Upon review of my credit file, I can see a couple of credit data entries in force. This means that somebody made a claim that I own them some money and did not pay so the item appears on the credit file. I have been told that this entry will be deleted 3 years from now. Is that true? Are these entries really deleted or are they archived?



Credit data entries in force

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betelgeuse
Posts: 3728
Joined: Thu Aug 29, 2013 1:24 am

Re: Credit data entries in force

Post by betelgeuse » Sun Dec 20, 2020 3:38 pm

krapulassa wrote:
Sun Dec 20, 2020 12:52 pm
Upon review of my credit file, I can see a couple of credit data entries in force. This means that somebody made a claim that I own them some money and did not pay so the item appears on the credit file. I have been told that this entry will be deleted 3 years from now. Is that true? Are these entries really deleted or are they archived?
They are deleted.

If you let the two databases know you have paid it, the entry will clear in two years.

“ Maksuhäiriömerkinnän säilytysaika kolme vuotta. Aika lyhenee 2 vuoteen, jos lasku maksetaan eikä luottotiedoissa muita merkintöjä. Aika pitenee neljään vuoteen, jos säilytysaikana tulee uusia maksuhäiriömerkintöjä.”

https://www.kuluttajaliitto.fi/materiaa ... omerkinta/


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