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Gjeldsregisteret – a secret debt register in Norway?


Some of our clients still associate Gjeldsregisteret with a secret scroll of records containing detailed information about clients and the debts they incurred in Norway. This scroll is guarded in the dark underground by a malicious troll who flashes his teeth at anyone that tries to get closer to reveal the secret... In this article, we try to show that the devil’s not so black as he is painted, because the Norwegian debt register serves both financial institutions and individual consumers on a daily basis.

Gjeldsregisteret – a secret debt register in Norway?

Gjeldsregisteret - Norwegian debt register - what does it contain?

Gjeldsregisteret collects information on how much debt (i.e. how many loans and their total amount in NOK) is held by an individual consumer in Norway. We are talking about unsecured debt, for example consumer loans, shopping loans or credit cards. All information is collected from banks and financial institutions that are licensed to conduct financial activities, and is regularly updated.



Who can see the data from the debt register?

Access to the debt register is primarily available to banks and financial institutions, such as the government pension fund, Norwegian municipalities (verification of startlån applications), Finanstilsynet (The Financial Supervisory Authority of Norway) or Statistics Norway. Don't worry – the access to the register is strictly regulated by Gjeldsinformasjonsloven (Law on information about debts). Companies and financial institutions that have access to data cannot use it for marketing purposes.


Finally, each of us has the access to the debt register. As a natural person, you can log in with your BankID and check information about your debts in Norway. Of course, you won't be able to access information about other people on the register.



Why is there a Norwegian debt register?

Gjeldsregisteret exists to monitor the indebtedness of individual households and prevent their over-indebtedness. Banks and creditors, having the opportunity to check the amount of a loan applicant's debt with Gjeldsregisteret, can prevent the customer from going into debt beyond their capacity. Insight into debt information will help financial institutions make better decisions, and loan applicants can expect better advice from lenders about their finances' own creditworthiness.


Therefore, we have some good news:

  • if you tried, either in the heat of the moment or because of temporary difficulties, to get indebted to the hilt, the bank would dash cold water on you, so that you don’t find yourself in a hopeless financial situation with no way out – it simply does not give you a loan if it sees that you are not able to pay it off;
  • thanks to the introduction of Gjeldsregisteret, the number of refinancing applications has increased, which enables an increasing number of borrowers to repay their existing loans on better terms (instead of using another loan); you too can be a happy owner of a refinanced loan if you just take a closer look at your financial situation.


How to get more legible information about your debts?

We rush with another, third in this article, good piece of news. Multinor finans, in cooperation with Gjeldsregisteret, has prepared a tool that generates a free, legible and attractive report of your loans and credit cards in Norway with numerous tips on your individual debts. Thanks to the report, you can easily analyze your individual situation and find options to pay a smaller installment. You will see e.g. where you are overpaying and how much NOK you could save. After all, we all want to pay less when it is possible.


To access the report, click the 'Your Credits’ button in the upper right corner of the screen, or open this link. If you want to analyze your debt status together with an experienced consultant to make good decisions, just contact us.



What to do if you see errors in the information about your debt?

Important: the information contained in the debt register is constantly updated by the banks.

As soon as you notice an error in the information about yourself, immediately report it to the bank from which Gjeldsregisteret received incorrect or outdated information about your debt. Incorrect data may have a negative impact on your creditworthiness, therefore you need to ensure that it is corrected as soon as possible and that it is updated in the register. You can also count on the professional help of our advisors in this matter.