The Payment Default Register is a register managed by Creditinfo Estonia that consolidates information on unpaid debts of private individuals and companies. The purpose of the register is to help businesses make more informed credit decisions, assess the payment behaviour of business partners, and prevent the emergence of new debts.

Before a payment default is published, the debtor is sent a notice giving them the opportunity to settle the debt before it is entered into the register. Creditinfo Estonia’s data show that many debtors make use of this opportunity. In 2021, 37.9% of debtors paid their debt before it was entered into the register; in 2025, the figure had already risen to 47.5%; and according to the data available so far for 2026, 49.8% of debtors have done so. This means that nearly every second debtor settles the debt even before the payment default is published in the register.

The repayment of debts also continues actively after the payment default has been entered into the register. According to 2025 data, a total of 78.8% of debtors had paid their debt from the time of receiving the notice and within three months after the debt information was entered into the register. For comparison, the same figure in 2021 was 63.4%.

A similar pattern can also be seen over a longer period. Within two years of receiving a debt notice and the subsequent publication of the debt in the Payment Default Register, up to 87% of debtors have settled their debt.

Submitting debt data to Creditinfo helps clients handle debts transparently and systematically. At the same time, it provides other companies with important information for assessing credit risk and helps prevent situations where new credit decisions are made based on incomplete information about payment behaviour.

Read more about the Payment Default Register: Payment Default Register – Creditinfo Eesti

Become a client of the Payment Default Register: Kes saab sisestada maksehäireid? – Creditinfo Eesti