Gjeldsregisteret AS is a wholly owned subsidiary company within the Tietoevry Group that has been licensed by the Ministry of Children and Families to operate as a debt information company.

The purpose is to prevent debt problems in private households by helping banks and other creditors to check how much credit and consumer debt a loan applicant currently has. This can help financial institutions make better decisions, while loan applicants can expect better advice from lenders regarding the loan capacity of their finances.

The Debt Information Act regulates who may use the services. These are mainly banks and financial institutions, Husbanken, the Government Pension Fund, municipalities, Norges Bank, Finanstilsynet and Statistics Norway. In addition, credit information agencies may use the information as part of their credit score modelling.

Gjeldsregisteret AS delivers its information services via web (infotorg.no) and integrated into its customers’ systems. This ensures that users will receive information updated in real time based on modern event-based updating, thus ensuring the best possible decision-making methodology in a cost-effective manner.

Gjeldsregisteret AS emphasizes the importance of information security and privacy in all transactions, which is also in line with the concession and new privacy regulation law (GDPR). A transparency solution for the public is established, and a credit inquiry notice will be sent when debt information has been released.  

For more information about Gjeldsregisteret AS, our services and the regulatory framework of our company, please contact Gjeldsregisteret