Tenant credit check in Finland Checking a tenant's credit information — vuokralaisen luottotiedot — is the traditional first step for Finnish landlords. It is legal, it is limited, and on its own it answers less than most landlords assume. What a credit check actually tells you A credit report from Suomen Asiakastieto or Dun & Bradstreet shows payment default entries (maksuhäiriömerkintä) and some background data. It shows failures that have already escalated to collection or court. It does not show whether the applicant paid rent on time for the last two years, which is the question you actually care about. What you may and may not check

You may check credit information when assessing a prospective tenant, with a lawful basis

You must tell the applicant where the report was obtained, on request

You may not store the report longer than the decision requires

You may not ask for health data, family plans, religion, ethnicity or union membership

You should collect the minimum data needed, as GDPR requires

The blind spots A clean report is common and weakly predictive: most applicants have one. A default entry, meanwhile, can follow a single old dispute or a period of illness while the applicant has paid rent perfectly every month since. Judging both cases on the credit report alone means rejecting good tenants and accepting unproven ones. Bank-verified rent history as the missing evidence A Maja profile shows what the applicant actually did: how many monthly rent payments were verified directly from their bank feed, how many arrived on time, and over what period. The renter authorises read-only access; the data cannot be edited, unlike a reference letter or a screenshot. You see the first three months free and can unlock 6, 12 or 24 months per profile if you want a longer track record. A practical screening order

Ask for a Maja verified payment history with the application

Check income sufficiency against the rent

Run a credit check for the shortlisted applicant

Decide on evidence, and document why