Payment defaults

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Introduction

The purpose of this page is to describe ready-to-use XML reports about payment defaults and data structures used in these reports.


Data structures

Detail information about valid and settled payment defaults

A payment default is a violation of the debtor's monetary obligation for more than 45 days from the day following the due date and when the amount exceeds 30 euros. The information published in the Credit Register derives from legal persons who have entered into a contract with AS CREDITINFO EESTI, as the administrator of the Credit Register, for inputting and updating the payment default data.


XSD schema: https://services.krediidiinfo.ee/schemas/report/payment_defaults_ver4.xsd


Payment defaults information explanations:

Name Type Description Additional info
payment_defaults element Information about subject's payment defaults xsi:nil="true" in case subject does't have payment defaults
payment_defaults/@currency attribute Payment defaults' currency
payment_defaults/payment_default element Information about a payment default
payment_defaults/payment_default/owner element Information about legal entity who has entered the payment default into the Credit Register

(creditor or a person acting on creditor's behalf)

payment_defaults/payment_default/owner/@is_registry_member attribute Indicates if owner is registry member boolean
payment_defaults/payment_default/owner/@registry_code attribute Estonian company registry code Missing in case company is registry member or is not Estonian company
payment_defaults/payment_default/owner/@owner_id attribute Owner's unique ID Missing in case company is registry member
payment_defaults/payment_default/owner/name element Owner's name Missing in case company is registry member
payment_defaults/payment_default/owner/activity element Owner's field of activity
payment_defaults/payment_default/owner/activity/@code attribute Activity code according to EMTAK2008
payment_defaults/payment_default/owner/activity/@classification attribute Field of activity classification EMTAK2008
payment_defaults/payment_default/debt_range element Valid payment default's current amount range For settled payment defaults xsi:nil="true"
payment_defaults/payment_default/max_debt_range element Payment default's maximum amount range
payment_defaults/payment_default/begin_date element Payment defaults begin date
payment_defaults/payment_default/end_date element Payment defaults end date For valid payment defaults xsi:nil="true"
payment_defaults/payment_default/end_reason element Payment default end reason Element is intended for future use. Until further notice, the value is always xsi:nil="true"
payment_defaults/payment_default/end_reason/@code attribute Payment default end reason code


Sample response: 

<payment_defaults currency="EUR">
   <payment_default>
      <owner is_registry_member="true">
         <activity code="61201" classification="EMTAK2008">Mobiilsideteenus</activity>
      </owner>
      <debt_range xsi:nil="true"/>
      <max_debt_range>65-320</max_debt_range>
      <begin_date>2019-08-19</begin_date>
      <end_date>2021-02-02</end_date>
      <end_reason xsi:nil="true"/>
   </payment_default>
   <payment_default>
      <owner is_registry_member="false" registry_code="00000000" owner_id="11111">
         <name>ETTEVÕTE AS</name>
         <activity code="82911" classification="EMTAK2008">Inkassoteenus ja krediidiinfo</activity>
      </owner>
      <debt_range>640-3200</debt_range>
      <max_debt_range>640-3200</max_debt_range>
      <begin_date>2019-08-15</begin_date>
      <end_date xsi:nil="true"/>
      <end_reason xsi:nil="true"/>
   </payment_default>
</payment_defaults>

Number of disputed payment defaults

The disputed payment defaults indicate a situation in which the circumstances related to the debt are being clarified, i.e. the payment default dispute has not been completed or it is not certain whether the publication of the payment default data is justified. Starting from February 1st 2022 Creditinfo will start publishing the number of disputed payment defaults.


Information structure explanation:

Name Type Description Additional info
disputed_payment_defaults_count element Number of disputed payment defaults Until February 2022 the output was always xsi:nil="true"

Starting from February 1st 2022 the number of disputed payment defaults is be published. In case person does not have disputed payment defaults, the output value is 0.


Sample response until February 2022: 

<disputed_payment_defaults_count xsi:nil="true"/>

Sample response from February 1st, 2022:

Sample 1: person does not have disputed payment defaults: 

<disputed_payment_defaults_count>0</disputed_payment_defaults_count>

Sample 2: person has 2 disputed payment defaults: 

<disputed_payment_defaults_count>2</disputed_payment_defaults_count>

Ready-to-use XML reports

Eraisiku maksehäired (RAXPPPDRE)

Report provides information about private person payment defaults.

Language: estonian

XSD schema: https://services.krediidiinfo.ee/schemas/report/RAXPPPDRE.xsd


Sample response: 

<report language="et" created="2021-11-29T11:03:33" code="RAXPPPDRE" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="https://services.krediidiinfo.ee/schemas/report/RAXPPPDRE.xsd">
   <person person_code="00000000000">
      <disputed_payment_defaults_count>2</disputed_payment_defaults_count>
      <payment_defaults currency="EUR">
         <payment_default>
            <owner is_registry_member="true">
               <activity code="61201" classification="EMTAK2008">Mobiilsideteenus</activity>
            </owner>
            <debt_range xsi:nil="true"/>
            <max_debt_range>65-320</max_debt_range>
            <begin_date>2019-08-19</begin_date>
            <end_date>2021-02-02</end_date>
            <end_reason xsi:nil="true"/>
         </payment_default>
         <payment_default>
            <owner is_registry_member="false" registry_code="00000000" owner_id="11111">
               <name>ETTEVÕTE AS</name>
               <activity code="82911" classification="EMTAK2008">Inkassoteenus ja krediidiinfo</activity>
            </owner>
            <debt_range>640-3200</debt_range>
            <max_debt_range>640-3200</max_debt_range>
            <begin_date>2019-08-15</begin_date>
            <end_date xsi:nil="true"/>
            <end_reason xsi:nil="true"/>
         </payment_default>
      </payment_defaults>
   </person>
</report>


Ettevõtte maksehäired (RAXLEPDRE)

Report provides information about company payment defaults.

Language: estonian

XSD schema: https://services.krediidiinfo.ee/schemas/report/RAXLEPDRE.xsd


Sample response: 

<report language="et" created="2021-11-29T11:03:33" code="RAXLEPDRE" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="https://services.krediidiinfo.ee/schemas/report/RAXLEPDRE.xsd">
   <company registry_code="00000000">
      <disputed_payment_defaults_count>2</disputed_payment_defaults_count>
      <payment_defaults currency="EUR">
         <payment_default>
            <owner is_registry_member="true">
               <activity code="61201" classification="EMTAK2008">Mobiilsideteenus</activity>
            </owner>
            <debt_range xsi:nil="true"/>
            <max_debt_range>65-320</max_debt_range>
            <begin_date>2019-08-19</begin_date>
            <end_date>2021-02-02</end_date>
            <end_reason xsi:nil="true"/>
         </payment_default>
         <payment_default>
            <owner is_registry_member="false" registry_code="00000000" owner_id="11111">
               <name>ETTEVÕTE AS</name>
               <activity code="82911" classification="EMTAK2008">Inkassoteenus ja krediidiinfo</activity>
            </owner>
            <debt_range>640-3200</debt_range>
            <max_debt_range>640-3200</max_debt_range>
            <begin_date>2019-08-15</begin_date>
            <end_date xsi:nil="true"/>
            <end_reason xsi:nil="true"/>
         </payment_default>
      </payment_defaults>
   </company>
</report>


Private person payment defaults (RAXPPPDRI)

Report provides information about private person payment defaults.

Language: english

XSD schema: https://services.krediidiinfo.ee/schemas/report/RAXPPPDRI.xsd


Sample response: 

<report language="en" created="2021-11-29T11:03:33" code="RAXPPPDRI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="https://services.krediidiinfo.ee/schemas/report/RAXPPPDRI.xsd">
   <person person_code="00000000000">
      <disputed_payment_defaults_count>2</disputed_payment_defaults_count>
      <payment_defaults currency="EUR">
         <payment_default>
            <owner is_registry_member="true">
               <activity code="61201" classification="EMTAK2008">Public mobile telephone services</activity>
            </owner>
            <debt_range xsi:nil="true"/>
            <max_debt_range>65-320</max_debt_range>
            <begin_date>2019-08-19</begin_date>
            <end_date>2021-02-02</end_date>
            <end_reason xsi:nil="true"/>
         </payment_default>
         <payment_default>
            <owner is_registry_member="false" registry_code="00000000" owner_id="11111">
               <name>ETTEVÕTE AS</name>
               <activity code="82911" classification="EMTAK2008">Activities of collection agencies and credit bureaus</activity>
            </owner>
            <debt_range>640-3200</debt_range>
            <max_debt_range>640-3200</max_debt_range>
            <begin_date>2019-08-15</begin_date>
            <end_date xsi:nil="true"/>
            <end_reason xsi:nil="true"/>
         </payment_default>
      </payment_defaults>
   </person>
</report>


Company payment defaults (RAXLEPDRI)

Report provides information about company payment defaults.

Language: english

XSD schema: https://services.krediidiinfo.ee/schemas/report/RAXLEPDRI.xsd


Sample response: 

<report language="en" created="2021-11-29T11:03:33" code="RAXLEPDRI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="https://services.krediidiinfo.ee/schemas/report/RAXLEPDRI.xsd">
   <company registry_code="00000000">
      <disputed_payment_defaults_count>2</disputed_payment_defaults_count>
      <payment_defaults currency="EUR">
         <payment_default>
            <owner is_registry_member="true">
               <activity code="61201" classification="EMTAK2008">Public mobile telephone services</activity>
            </owner>
            <debt_range xsi:nil="true"/>
            <max_debt_range>65-320</max_debt_range>
            <begin_date>2019-08-19</begin_date>
            <end_date>2021-02-02</end_date>
            <end_reason xsi:nil="true"/>
         </payment_default>
         <payment_default>
            <owner is_registry_member="false" registry_code="00000000" owner_id="11111">
               <name>ETTEVÕTE AS</name>
               <activity code="82911" classification="EMTAK2008">Activities of collection agencies and credit bureaus</activity>
            </owner>
            <debt_range>640-3200</debt_range>
            <max_debt_range>640-3200</max_debt_range>
            <begin_date>2019-08-15</begin_date>
            <end_date xsi:nil="true"/>
            <end_reason xsi:nil="true"/>
         </payment_default>
      </payment_defaults>
   </company>
</report>
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