Betalningsanmärkning
A payment default record (betalningsanmärkning) is a note at credit reference companies that payments have been handled poorly, which makes it harder to get loans and sign contracts. The record is registered after an unpaid debt has been handled in a legal step, not at a single late bill. For a private person it can show up when applying for a loan, a rental contract or a subscription, since companies then often take a credit report.