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Enhanced integrity protection for individuals from 1 January 2011

January 2011 - Litigation & Dispute Resolution. Legal Developments by Delphi.

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Until now, several of the provisions of the Credit Information Act (Sw. Kreditupplysningslagen (1973:1173)) that protects the integrity of individuals were not applicable when credit information was shared on the Internet. The reason for this was that such information was protected by the Fundamental Law on Freedom of Expression (Sw. Yttrandefrihetsgrundlagen (1991:1469)).

This meant that anyone could access personal credit information on the Internet without the person in question being notified that information about him or her had been shared.

In order to enhance the protection for individuals, the Credit Information Act has been amended with effect as of 1 January 2011 so that the same rules will apply for credit checking over the Internet as for traditional credit checking.

The person ordering a credit report must accordingly have a legitimate reason for receiving such information. Such reason could for example be that the person ordering the information is planning to enter into a credit agreement with the individual concerned. The individual shall also receive a complete specification of the credit information that has been shared and shall be given the opportunity to correct any information that is wrong.

Further information on
the Data Inspection Board's
web site (Swedish) »

For more information please visit