How to Check Your Credit Score in Norway by Yourself?

A kredittscore is a number that reflects your financial reliability. It is calculated based on data from Norwegian credit registries, such as Experian or Dun & Bradstreet. Factors taken into account include: your level of debt, payment history, income amount and stability, number of credit applications, and current employment status. The higher your score, the better—it means less risk for the bank and a greater chance of favorable financial terms.

GjeldsMonitor is one of the most practical and reliable tools for people who want to understand their financial situation in Norway. The platform collects data from the official debt register (Gjeldsregisteret), where Norwegian financial institutions are required to report all active loans and credit limits. After logging in with BankID, the user receives a clear report showing:

• the total amount of debt,
• the number of active loans and credit cards,
• the names of institutions where obligations are held,
• current balances.

All data is protected in accordance with Norwegian privacy regulations (personvern), so only the account owner has access. This tool lets you quickly check how your financial burden looks from the perspective of banks and loan companies. Thanks to this, you can react in advance—for example, by paying off more expensive loans, closing unused cards, or preparing for a mortgage application.

Many Poles living in Norway treat GjeldsMonitor as their “financial mirror”—a simple, free, and reliable source of information that helps maintain control over your budget and creditworthiness.

If it looks like your credit score isn’t great, don’t panic. The most important thing is to understand what’s lowering it. This could be, for example, overdue payments, a debt level that’s too high compared to your income, or too many active credit inquiries.

It’s worth analyzing your situation in GjeldsMonitor, checking which obligations can be paid off faster, and making sure to pay on time. Even a few months of regular payments can significantly improve your score.