Credit Score on Private Person

The score report includes instant answers for making credit decisions. The score report is available in Estonian and in English.

View the sample

Credit Score shows how probable it is that a private person will fail to pay invoices. The probability is determined on the basis of the person’s profile by comparing it to the sample consisting of people with similar risk behavior. The method of private person’s credit solvency assessment is based on a statistical model. The model forecasts the person’s credit behavior in the future by taking into account person’s payment defaults, business activity, novelty and activity on the credit market, information about immovables. The result is expressed as a percentage of probability whether the private person will have payment defaults in the next 12 months.

What information the report includes?

Credit score and probability of default
The Population Register’s information
Payment defaults from Credit Register
Claims of Estonian Tax and Customs Board
Valid trade and enterprise bans
Companies related to the person
Immovables related to the person
Official announcements related to the person

Open Banking Solutions

Creditinfo Estonia has an activity license for an account information service provider.
We are the only categorized account information service company in the Baltics that has the ability to combine account information service information with high-quality credit information and thereby provide value-added products and services to our existing and new customers.

Terms and Conditions

Faster decisions
We help people and businesses apply for a credit product faster and more conveniently. To this end, we enable companies offering loans and installments to receive a statement of the customer’s bank account in an instant in order to make a credit decision, with the customer’s consent.

A secure solution
The transmission of the bank statement is automated, focusing on IT and data security, which makes the whole credit or installment application process easier and faster for both the account holder and the service provider.