The tens of thousands of Finns to seek a voluntary credit ban.
The burglary of Valio caused a huge spike in the number of volunteers’ credit prohibitions. Adobe Stock / AOP
A positive credit history reports that about 33,500 voluntary credit banks were made due to Valio’s burglary. In total, 77,400 banks have been made in Finland, which has almost doubled the number of Valio.
The exceptionally high amount of credit ban also congested the customer service of the register, as the number of support calls almost nine times the normal week.
What is a voluntary credit ban?
For example, a voluntary credit ban may be imposed to prevent the use of their own information disclosed in the hack to obtain a credit, that is, the so -called identity theft. A voluntary credit ban can also be used to control your own finances.
When a person has a voluntary credit ban, the lender must consider the granting of a new credit even more carefully than usual, and it is likely that the person will not receive any credit at all. Credit ban may also affect the conclusion of an electricity contract, insurance, telephone subscription and even a lease.
The functional equivalent of a positive credit record Marjaana Ohralahti It notes in the announcement that the effects of a credit ban on their daily lives depend on whether the person’s consent provides the information to commercial credit information companies as well.
– Some individuals are surprised when not, for example, a new telephone subscription or an electricity contract. The background has been a voluntary credit ban and consent to communication, says Ohralahti.
When a person allows information to transmit information, information on credit operators, landlords and electricity companies, for example, will end up being a credit ban. If the permit is not given, the credit ban will not make it difficult, for example, to conclude an electricity contract.
– In this case, the ban will only affect when a person applies himself or someone else applies for credit in his name, Ohralahti explains.
A voluntary credit ban is free of charge and can be set for a permanent or for a fixed period. The ban can be deleted and re -made at any time.