AFAIK the KreditRegisteret you linked to is required because Denmark, not part of Euro, does not have access to AnaCredit. So it's more of a tool for financial

AFAIK the KreditRegisteret you linked to is required because Denmark, not part of Euro, does not have access to AnaCredit. So it's more of a tool for financial stability, and not private loan estimates. What is EU's AnaCredit? > AnaCredit is a dataset with detailed information on individual bank loans in the euro area. The name stands for “analytical credit datasets”. The ECB launched the project in 2011 – together with the euro area and some non-euro area national central banks. It uses data and national credit registers to achieve a harmonised database that supports several central banking functions, such as decision-making in monetary policy and macroprudential supervision. In Denmark I'm mostly aware of RKI, which seems to be owned by Experian now. If you fail to pay your loans, you end up on that bad payer list. Otherwise getting a loan is a private matter between you and your bank unless you want to use a third party lender