Expat Community > Sweden

brettman
Joined 2022
Posts: 0

Irish credit reporting in Sweden

2 years ago

Greetings!

I am planning to relocate to Sweden from Ireland. I share a mortgage in Ireland with my ex-wife. Currently the mortgage is up to date and I haven't missed a payment for more than 15 years. My credit score in Ireland is very solid.

I have two questions:
1. Will the strength of my Irish credit score help me to secure a mortgage in Sweden? I will have a permanent job contract with a decent salary, but I don't fully understand the Swedish credit system.

2. If my ex-wife defaults or falls behind on the shared mortgage, will that negatively impact my ability to access credit in Sweden?

I guess both questions can be sumarized as:
Do Swedish banks and credit agencies consider information from other European countries when making credit decisions?

I have recieved a lot of opinions on this topic, but would be grateful for some factual references.

Thank you!

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