Aaaand, until then
https://www.asiakastieto.fi/web/en/
It is a score that shows credit worthiness, used by most lenders.
What I see is that it is a lag indicator, not a lead indicator :: meaning?
Meaning that it shows if the customer has previously paid back their loans or if they have a mark against their credit worthiness.
It does not show payback capability NOR a load capability, e.g. if you have no previous records, it will give a positive outlook, and thus a person with a low-payback capability could potentially borrow beyond what they can pay back.