If you don’t pay a debt you may get a record of non-payment

If you have a debt and you don’t pay it you may get a record of non-payment. Records of non-payment are kept by credit reference agencies, and you have to turn to them if you have questions about the reason for a specific record of non-payment.

Why are records of non-payment registered?

If you have a debt that you are not paying, the person or company you owe money can turn to the Enforcement Authority for help. Your debt is eventually registered by us. Credit reference companies can then obtain the information about your debt from us, meaning that you have got a record of non-payment.

We will not disclose debt information about private individuals who are not traders provided the case in question is public, i e concerns debts for unpaid taxes, fines, maintenance support or similar, until the payment term (the notice period) has expired and the debt remains unpaid. This means that private individuals have two weeks in which to pay before a tax debt, for example, leads to a record of non-payment.

How do you know if you have a record of non-payment?

You can easily find out if you have a record of non-payment by contacting credit reference agencies.

We are not able to reply to your questions about records of non-payment. This is because a record of non-payment may depend on events that the Enforcement Authority has nothing to do with.

Who removes a record of non-payment?

It is the credit reference agency that removes your record of non-payment.