Nordiska has performed a credit check because you applied for a loan or credit through one of our partners. As a credit institution, we are required to assess your ability to repay the loan. The purpose of this is to ensure that the credit is sustainable for you as a customer and to prevent over-indebtedness.
To fulfill this obligation, we obtain necessary information from a credit reference agency we cooperate with. The information is used solely to evaluate your financial situation and your ability to meet the payment obligations arising from the credit agreement you applied for.
How does the process work?
If you have recently made a purchase—for example, a car with financing, a purchase using an installment plan or invoice, or if you applied for credit or a loan—this may be the reason why a credit check was performed.
When you apply for installment payments, invoice purchases, or credit via one of our partners, your application is forwarded to Nordiska, which acts as the credit provider. To fulfill our legal obligations, we carry out a credit check through one of our affiliated credit reference agencies. This check provides us with a basis for assessing whether the credit can be granted and whether it aligns with your financial circumstances.
As a credit provider, Nordiska collaborates with partners who offer financial services integrated into their products, such as installment plans, invoice purchases, or other financing options. This means that you, as the customer, apply for the credit directly with our partner, while Nordiska is responsible for the credit assessment and financing behind the scenes.
How can you get more information about the credit check?
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Check the credit report: The credit report usually indicates which partner or payment solution the application is associated with, often as a message. You can typically find this information on page 2 of the credit report.
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Review the contract terms: The agreement specifies which partner is administering the credit and who the credit provider is.
Important information:
Questions related to specific loans, applications, or purchase agreements should be directed to the payment solution, credit intermediary, or partner through whom you recently applied for credit, installment, or loan.
Nordiska acts as the credit provider but does not handle the operational aspects of applications or customer matters for these loans. We therefore refer all such questions to the partner administering your credit.