Debt registries, Registry of mortgaged movable property, and credit agencies

Where do I find my debt and my payment remarks?

Unsecured debt in the debt-registries

Your debt is unsecured when the lender has no guarantees for the money they loan to you. This usually gives you worse deal compared to if you put up any asset as collateral. We know of three debt registries in Norway that logs all your unsecured debt.

• https://gjeldsregisteret.com

  Gjeldsregisteret AS is 100% owned by Tietoevry Norway AS

• https://www.norskgjeld.no/

  Norsk Gjeldsinformasjon AS is owned by the largest financial institutions in Norway that offer credit in the consumer market.

• https://www.minexperian.no

  Experian AS

Secured debt and the Registry of Mortgaged Movable Property

Your debt is secured if you put any assets as collateral for what you owe. For example, your car can be collateral for your car loan. This means that the lender can make you sell your car if you cant pay what you owe.

Secured debt can be registred in the Register of Mortgaged Movable Property. This provides legal encumbrance against the person or buisness that secured claim concerns.

Here is a list of services you can use to find your secured debt:

• Your personal bank

  Your personal bank is always a good place to start, they can help you find your debt information.

• https://person.brreg.no (login)

  Your personal page at The Brønnøysund Register Centre shows your records in the Register of Mortgaged Movable Property. You can also find if your salary is deducted, this is called attachment of earnings.

Payment remarks and credit information agencies

You can get a payment remark if you dont pay what you owe in time. This can happen if you have attachment of earnings, are bankrupt, have ongoing debt settlement or have attachment proceedings. Read more at The Norwegian Tax Administration

You can visit a credit information agency to see your payment remarks. Here are some agencies you can visit:

• https://www.experian.no/

  Experian: Select "Logg inn (privat)", select "Personlig kredittinformasjon" and download the PDF that contains your info

• https://www.dnb.com/no

  Dun & Bradstreet: Log in (privat - kredittsperre/egenopplysning), select Payment history"