From the credit bureau The Intelligence Company AB (publ)

Modern credit reports with electronic enquiry copy from SEK 0.39

Safer credit reports with electronic delivery of the enquiry copy via Mina sidor, Kivra or postal mail.

Get started

We offer three delivery options for the enquiry copy - see Three channels below for details.

How it works

Run a credit report

Call our API with the personal identity number and optionally a mobile number, or use our web app.

We deliver the enquiry copy

The person receives their enquiry copy on Mina sidor, via Kivra or by postal mail.

You receive the credit report

We send a webhook the moment the credit report is ready. Fetch the full result via API or our web app.

Three channels, one API

Mina sidor is cheapest - Kivra and postal mail give 100% reach.

Recommended

Mina sidor

The person signs in with BankID, gets free access to Mina sidor and the enquiry copy is delivered there.

Direct access via BankID
No postage, no paper
Highest security

Mailbox via Kivra

We check whether the person has a Kivra mailbox and deliver the enquiry copy digitally to it.

Digital delivery (PDF)
Kivra fees included
Reaches more than 6 million private individuals

Postal mail

The enquiry copy is mailed to the person's registered address. Gives 100% reach when digital delivery isn't possible.

Reaches everyone in the population register
Sent in confidential envelope
Reaches everyone without a digital mailbox

What's included in a credit report?

Complete credit report based on up-to-date data from Swedish authorities.

Population register

Name, registered address, marital status and more.

Source: SPAR

Income

Assessed earned income, surplus/deficit of capital, final tax (last 3 years) and more.

Source: Skatteverket

Debts & defaults

Debt balance, payment defaults, distraint, debt restructuring.

Source: Kronofogdemyndigheten

Real estate

Title holders, leasehold rights, area, tax assessment, mortgages and more.

Source: Lantmäteriet

Company involvements

Board appointments, sole proprietorships and more.

Source: Bolagsverket, Skatteverket

Credit involvements

Credit involvement data, misused bank account, misused account credit and mismanaged credit.

Source: Connected lenders

Decisions

Default judgments, business bans and economic guardianship.

Source: District courts

Credit score

Aggregate credit assessment based on statistical models and outcomes.

Source: Our credit model

Technical advantages

BankID sign-in

The person signs in with BankID to retrieve the enquiry copy on Mina sidor. Secure identification, no paperwork.

REST API

Simple JSON REST API. Request credit report, fetch result, list history. API key and webhooks.

Webhooks

Get notified the moment the credit report is ready. HMAC-SHA256-signed webhooks for secure delivery.

Dashboard

Order credit reports manually with no API integration. Perfect for getting started quickly.

Enquiry copy

The enquiry copy via Mina sidor, Kivra or postal mail gives 100% coverage.

Personal support

On Mina sidor a private individual can ask questions about their enquiry copies directly to our support.

Simple pricing

Pay per credit report. No hidden fees.

FREE TO START

Start

Occasional credit reports

0 SEK /month

No fixed fees
2 free credit reports
Web app, webhooks & API

Price per credit report

Mina sidor5 SEK
Mailbox via Kivra19 SEK
Postal mail39 SEK

Create account

Fast

Regular credit reports

195 SEK /month

10 credit reports included / month
Lower per-report price
Web app, webhooks & API

Price per credit report

Mina sidor1 SEK
Mailbox via Kivra9 SEK
Postal mail29 SEK

Create account

Volume

For more than 10,000 reports

0 SEK /month

No fixed fees
Pay per credit report
Web app, webhooks & API

Price per credit report

Mina sidorFrom 0,39 SEK
Mailbox via KivraFrom 0,90 SEK
Postal mailFrom 12,50 SEK

Ready to get started?

Create an account in a minute. Two credit reports included - no monthly fee, no commitment.

Create account API documentation