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.

Two integration paths

Pick whichever fits your user journey — both are included in your account.

Recommended

Embedded flow (iframe)

The customer stays in your web flow — checkout, credit application, rental application, or account opening.

  1. Embed the iframe on your page with a <script> tag.
  2. The customer authenticates with BankID directly inside the iframe — no redirect.
  3. The result arrives instantly via postMessage: name, credit score, registered address. Fetch the full credit report from the API.
Read the embed guide →

API flow (server-to-server)

For manual checks, batch flows or back-office systems where there is no consumer in front of a screen.

  1. Call POST /api/v1/check with personal number and mobile number.
  2. The person receives an SMS, authenticates with BankID and gets access to Mina sidor.
  3. Notification via webhook — fetch the full credit report via GET /api/v1/check/{id}.
Read the API guide →

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
Contact us

Ready to get started?

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

Create account API documentation