MinExperian is a service provided by Experian AS. The service is aimed at you as an individual. Here you can access your letters of notification, manage your Credit Block, and retrieve credit information we have stored about you. To access the service, BankID is required.

If you have received a request to log in to MinExperian.no we have a letter, we would like to deliver to you. If you choose not to log in with BankID, you will receive the letter by ordinary mail or Digipost. If you wish to receive a letter electronically in the future, you must give consent on https://www.minexperian.no/.

You can easily log in to https://www.minexperian.no/ with your BankID. Here you will have access to a credit report showing the information we have on file for you:

• Personal details


• Tax information


• Payment remarks


• Voluntary mortgage


• Business interests

The information can be downloaded as PDF and printed.

Credit reference agencies are not allowed to use the National Registry as a first-hand source to register new persons. Our primary source for registering social security numbers is therefore the tax assessment. This means that if you have not had taxable income in Norway within the last three public tax years, you will not automatically be registered with us. If you still need to be credit assessed, you can contact our consumer service on phone 815 55 420 from Monday - Friday 9am-11pm. If you do not have the opportunity to contact us by phone, you can of course contact us via Digipost.

A credit rating is an analysis of the applicant's overall ability to pay. This analysis is done by a business (e.g., a bank) ordering credit information about you from a credit reporting agency. For example, the bank will usually credit check you before it gives you a credit card or grants you a loan. If you have payment remarks, too low income or too large a loan (or a combination of these), you risk a higher interest rate on the loan or that it will not be granted. The information is only disclosed to recipients who have a legitimate need for the information in connection with the assessment of your ability to pay. A business will usually have a legitimate need to check your ability to pay if you want to shop on credit, enter a repayment agreement or want to take out a new subscription, which means that you pay after receiving the item or service.

It is our customers who make the decisions. It can vary from place to place depending on a customer's credit policy, and the risks they want to take in connection with granting the credit. In some industries, there may be a higher risk of default, which makes it easier to be rejected than in industries where there is a lower risk associated with granting credit. This also means that it can vary which variables can have an impact on a credit score.

Blocking for credit information is often the most effective way to prevent identity theft.
This means our customers cannot retrieve credit information about you, which in turn can make it difficult to obtain credit in your name, such as subscribing or taking out loans. A credit block can also be used to limit own consumption.

You can register a block for credit information by logging in via https://www.minexperian.no with BankID. As a consumer, you will also here be able to modify a credit information block. With a block of credit information registered, you can prevent anyone from having access to your credit information. This means that no information about you will be disclosed in the event of a normal credit check unless the requestor has the legal right to circumvent the block. If you register a block, it will remain active until you remove it yourself. Note that in the event of a block, it may be difficult to obtain credit in your name, such as subscriptions or taking out loans.

Section 16 of the Credit Information Act states that anyone who wishes to register or remove a Credit Block must identify themselves by using electronic ID. If you wish to register a block for credit information, but neither have access to BankID nor the opportunity to send us an inquiry through digipost, you can do the following: Give power of attorney to a person who can contact us through Digipost on your behalf and at the same time request to enter / remove the block. They must enclose a copy of the power of attorney, including a copy of your valid ID.

In a power of attorney, we need the following information.

• Name, national identity number, signature and copy of identification of the person giving power of attorney.


• Name and national identity number of the person who is granted power of attorney.


• Information about what the power of attorney is about. E.g., access to financial matters or access to manage a Credit Block.

Removing a credit block is done on https://www.minexperian.no. Go to the tab for credit block and select “deactivate block” to change the status from being blocked (red) to unblocked (green).
If you have given power of attorney to a familiar person, a guardian, or other to administer the block, please contact the power of attorney directly as it will not be possible to remove the block through the portal. You will then get a message referring to Experian when you try to update the status of the block in the portal.

Digipost is especially useful if you need to send us an inquiry containing sensitive information. To send an inquiry through digipost, you must be registered as a user via digipost.no, using your BankID. When you are logged in, please select "New Message,” and then search for Experian AS, organization number 881917122 to send the message to us.

Every time a credit check is made on a private individual, a letter of notification is automatically sent out to the requestee. The letter contains information about who has performed the credit assessment, with contact information for the Experian customer who performed the assessment, along with copy of the information provided. Any company that has entered into an agreement with Experian can search for information in our databases for use in their credit assessment. When it comes to searches for both private individuals and enterprises, the search must be based on a factually justified need. This means that the company that searches for information about you should have a real need to know more about your financial situation. If you want to know why this company has conducted a search on you, you must contact the company directly. Contact information can be found in the notification letter.

The most common reason for being credit checked is that you have applied for a loan or a credit. This may be for example, in connection with consumer loans, insurance, a new electricity supplier or entering into agreements on purchases on installment payments. When one of our customers performs a credit check on you in Experian's database, you as a private individual will automatically receive a notification letter. The letter contains information about who has conducted the credit check, with the contact information for the company, as well as a copy of the information provided. It is important that you contact the company that did the credit check directly if you are not familiar with why the credit check has been performed.

You can read the letter by logging in to https://www.minexperian.no/ with BankID. All letters of notification sent electronically or by mail, are displayed in your Inbox.

You can receive letter of notification by SMS if you have provided your phone number to the company that completed the credit check on you. In the SMS you receive is a link that you can use to open the letter of notification. The link is unique and is only linked to the specific credit check done by our customer. The letter is also available at www.minexperian.no where you log in with BankID.

If you have received a link with which you can open the letter of notification via SMS, you must confirm your identity by entering your social security number to open the letter itself. The link you have received is unique. If you prefer to read the letter in www.minexperian.no, you can of course do so by selecting "Inbox" after you have logged in with BankID.

If you have consented to receive an electronic letter via our portal at https://minexperian.no, you will be notified by e-mail when a new letter is available. You will be able to see the actual letter by logging in to www.minexperian.no with BankID.

If you have an account with Digipost, you can receive the letter there. Please note that if you have consented to an electronic letter on www.minexperian.no you will receive a letter in this portal, not in Digipost.

A payment remark occurs when we receive reports of unpaid debt collection cases, disbursement transactions, debt settlement or bankruptcy on you as an individual (or company). When a case has gone to debt collection, you will be sent a payment request. If you do not pay this, legal action may be taken, and a payment remark will be reported to the credit reporting agencies.
When a payment remark is reported to us, it will appear in our credit check solutions 30 days after the registration date (except for payment remarks on disbursement transactions) has been registered in the public register). At the same time as the case is registered in the database, a letter will be sent to the person concerned with information about the payment remark and the date on which the remark will become visible to our customers.
The warning letter contains information about the type of case in question, as well as information about the company that has reported the case to us. If you have any questions regarding the claim, you must contact the relevant debt collection agency/counsel directly, as they have all the documentation about the case.

For private individuals:
A payment remark can be reported to credit information agencies for registration 30 days after legal action. By legal action meaning that the case is sent to a legal authority for processing. If the debtor has entered into a repayment agreement with the debt collector and fails to keep this agreement, the case can be reported to the credit information agencies immediately.
Payment remarks registered on sole proprietorships follows the same rules as for persons.

For companies:
A payment remark can be reported 30 days after the payment request is sent from the debt collector.
A case cannot be submitted for registration if the claim is disputed. This applies to both individuals and companies. If a judgment is rendered in a case, a remark cannot be registered if the claim is settled within the court's stipulated deadline.

A Payment remark is deleted from Experian's register when we receive a notice of deletion from collection agencies or public registers.
A Payment remark that has not been settled may be listed for 4 years from the date of registration in our database. The exception is encumbrances registered in a public register. The payment remark can remain registered with us if it is still registered in the public registry. It is important to say that the time the payment remark is registered with us can be extended if a new legal action is taken or if the registered encumbrance is not deleted.
If you believe that the case which has a payment remark has been repaid and should be closed, you must contact the collection agency / instance that processes the claim as they must send out notification of deletion.

A Payment remark is deleted as soon as the claim is settled, and the case is closed at the debt collection agency or body that has the claim. We receive daily updates from both debt collection companies and public registries. If you have questions about a claim or you are wondering about the remaining amount to pay, you must contact the debt collection agency / instance that processes the case. If you are wondering who to contact regarding the case, you can find information about this in your credit report on www.minexperian.no. You can find it under the field for source in the payment remarks section.

If a payment remark has the status deleted in the historical part of the access report on MinExperian, it means that it has been deleted from our credit information database and will not be visible to our customers by a credit check of you in our database. It will not have an impact on the calculation of your current credit score.

We receive tax assessment figures from the Tax Authorities when these are published.
The items used from the tax assessment are net wealth, ordinary income and assessed tax. The ordinary income that appears in the equation is a net amount where deductible expenses and other expenses are deducted from the gross amount, and the ordinary income will therefore differ from your gross income.

Experian AS is a credit information agency subject to the Act relating to the processing of credit information in credit reporting activities. Experian processes personal data in accordance with the Credit Information Act, including the rules on deletion. The information you see in the Transparency Report in MinExperian also shows historical data for up to 10 years after it was registered in our database. We are required to show history in accordance with the right of access in the Personal Data Act (GDPR). The historical data will have the status deleted and is only visible to you. They will not appear in a credit check, nor will they affect your current credit score.

Credit scoring is method businesses use to check for customers/potential customers' ability to pay. The method uses statistics to predict a customer's financial behavior and is based on both past and current behavior. Among other things, it will say something about:

• the probability of repayment of credit issued.


• risk of default on credit (ability to pay)


• the likelihood of customer churn


• profit increase/decrease

Credit scoring is in many cases part of the credit giving process and additional information is in many cases considered before making a final decision. It usually depends on both the product being applied for, the applicant's credit score and the practices the company that provides the credit itself follows, as well as which laws apply to the company based on what industry they are in and what products they deliver.

A scoring model is used to systemize credit scoring. The different models calculate the degree of risk associated with granting credit. The basis for scoring varies from model to model, but especially in a credit context, it is common for the model to say something about the probability of defaults on credit.
A scoring model contains several variables that together provide the most predictable information. The scoring model ranks customers on a scale from most likely to least likely to service their loans.
Our information is objective, and it is up to our customers whether they grant or reject an application, our scoring model gives the company a recommendation. It is always the company that has conducted a credit check that alone decides whether potential customers should be accepted or not, and the credit check done with us is only intended as an indicative factor in the decision-making process. If you want an individual assessment, direct contact must be made with the company that performs a credit check and cannot be done with us.

The debt registers have been established on the basis of the Debt Information Act. The purpose is to facilitate more precise credit assessments, in order to contribute to fewer households ending up in debt problems. Financial institutions are required to report to these registers and use available information when granting loans or credit.

Yes, by logging in to MinExperian with your BankID, you will be able to see the information registered to you. This service is free of charge for consumers.

As an individual, you will be able to utilize the MinExperian solution to get an overview of your own debt.

The processing of debt information is stipulated in the Debt Information Act. Experian Debtregister AS processess the information securely in a solution that is continually updated by the financial institutions.
Companies who receive information provided by the debt registry, are not allowed to use this information for marketing purposes or the like.
The Debt Information Act also regulate retention period and set requirements for deletion of the data:

The financial institutions must delete the data:

• When the debt has been repaid and any credit facilities has been settled.


• When updated debt information is received and registered, previous debt information must be deleted

Companies receiving the debt information must delete:

• As soon as credit scoring models are completed


• When their own data has been updated and the necessary validation is completed


• No later than three months after the data was received (this deadline does not apply to debt information that must be kept longer for supervisory purposes)

The debt information displayed in MinExperian comes directly from the financial institutions. You must contact the source/financial institution directly to report errors. Once the error has been corrected at the source, Experian Debt Register will also be updated.

Experian Debt Register contains only information about unsecured debt. Unsecured debt covers consumer loans, credit lines/cards and invoicing cards. Consumer loans are loans that are not secured by collateral (in housing, cars, etc.). Billing cards are cards where you have to pay everything you have used when due. If you as an individual want an overview of unsecured debt registered to you, you can log in to our access solution MinExperian.

Your and others’ information will automatically be transferred to Experian Debtregister from the financial institutions that have registered debt information on you and others. It is not possible to send debt information on behalf of yourself or others manually to Experian Debtregister. If you want to see an overview of the data registered to you, you can log in to MinExperian.

Banks and other financial institutions operating in Norway are obliged by the Debt Information Act to report debt information to debt information companies such as Experian Gjeldsregister AS. Opting out is therefore not an option. As an individual, however, you can see the information registered to you and report any potential errors or inaccuracies to the financial institutions.

Experian Debt Register receives continuous information about new, changed (e.g. changes in credit limits) and terminated loans.