Fake text messages posing as OK Perintä have been sent to our customers. These messages are very similar to ones we normally send. If you are unsure about a message you’ve received, please contact our customer service: 030 10 5620. You can also view all your debts and bills in My OK service.

Credit ratings of individuals

The credit rating services on individuals enable your company to easily search for a customer’s account information and debt collection status via OK Perintä’s interfaces. You can use and enrich the data as part of your credit-granting process. The use of credit ratings requires that the user has granted consent for the use of data.

Evaluate your consumer-customers’ solvency effectively

Evaluating the solvency of consumers is a key aspect of minimising risks and granting credit responsibly. OK Perintä’s solutions provide companies with a straightforward way of searching for the account information and debt collection statuses of consumer-customers using separate interfaces.

The service consists of two separate REST interfaces:

  • The Account Information API, which returns a user’s personal account information and transaction history
    • The data is retrieved via the user’s selected bank
  • The Collection Status API, which returns a user’s debt collection status
    • The data is retrieved from OK Perintä’s database

These interfaces operate independently and offer an easy way to use data in your company’s online store or mobile app.

User’s consent

Requests sent to the credit information interfaces must include information confirming that the user has granted consent, as well as the authenticated user’s identification. The client is responsible for ensuring that the information is valid and supplied with every API call.

Interested? Get in touch!

Our experts can help you get the most out of OK Perintä’s products and services.

Interested? Get in touch!

Our experts can help you get the most out of OK Perintä’s products and services.

Mikko Toivonen

Mikko Toivonen

Sales Manager

+358 50 309 6586 LinkedIn