Credit reports

You have the right to get notified if someone has requested a credit report on you. With Kivra you receive the information quickly and securely. And collect the credit reports among your other important documents.

Ikon föreställande en låst skärm.


With credit reports in Kivra you get strengthened protection against the misuse of your personal data.

Ikon föreställande en person som springer.


When someone has requested a credit report on you, you will receive a notification. You read the information as a letter in your inbox.

Ikon föreställande fyra pilar som pekar in mot en cirkel i mitten.

All at one place

With Kivra, you collect everything in the same place. Credit reports as well as other letters and invoices. Also, receipts, agreements, and payslips.

Keep yourself updated

As a user of Kivra, you get notified via e-mail or push notification every time you get a new credit report. Instead of waiting for physical mail. This is a way to prevent identity theft since you get the chance to act immediately if you don’t recognize the company who asked for the report. You act by contacting the creditor. Several credit report companies are connected to Kivra.

Make sure you have notifications activated in your Kivra app so that you don’t miss out on new mail.

Learn more about how you can prevent identity theft.

What is a credit report?

When you buy something on credit, want to start a subscription, or apply for a loan – more than often, a credit report is requested. The credit report gives information about your financial status and circumstances that affect your ability to pay, or repay a loan.

It is your right to be informed when such information has been requested. You also have the right to receive a copy of what information has been shared with the requesting credit report company.

Receive credit reports and other important documents in Kivra

Credit report companies

There are several authorised credit report companies in Sweden. Besides collecting information on behalf of creditors and lenders, it is their obligation to share that information with you. However, it is not the credit report company who decides whether you will, or not will be granted a loan or credit.

Have you received an SMS?

Kivra sends text messages on behalf of the Credit report companies, to quickly let you know if someone has requested a credit report on you. By registering for Kivra you can access it directly. And check that the information is correct. If you don’t want to read it digitally you don’t need to do anything. The credit report will then be sent with paper mail to your registered home address.


  • What is a credit report?
  • Why have I received an SMS about a credit report?
  • How do I read credit reports in Kivra?