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Can you be registered in RKI for an unpaid bill in Denmark?

Bad payer registers.

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Short answer

A creditor can report an unpaid debt to a credit information agency such as RKI or Ribers (Experian), whether or not you accept the debt. If you dispute the debt, the report may only be made after a court has decided that you must pay. A credit agency may not register you until it is clear that you actually owe the money. Ignoring reminders and collection letters is the usual way people end up registered as bad payers.

Practical info

Why

  1. A creditor does not need your consent to report you.
  2. A disputed debt needs a court ruling before it can be reported.
  3. Ignoring letters keeps the case going.

Details

If you do not pay a debt that a court has confirmed, the creditor can send the case to the enforcement court (fogedretten).

Tip

If you disagree with a bill, object in writing before it reaches collection, so you can show that the debt is disputed.

What may differ

If a court rules that you must pay a disputed debt, the creditor can report it from then on.

Common misconception

Many think a creditor needs your agreement to report you to RKI.

What actually happens

Your agreement is not needed, but a disputed debt needs a court decision first.

People also ask

  • What happens at the fogedret?
  • Do I get a warning before inkasso?
  • What if I do not owe the money?

Sources

This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.

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