In Sweden companies often do a credit check before allowing you to to buy on invoice or subscribe to services. The credit check will fail to go through if your

In Sweden companies often do a credit check before allowing you to to buy on invoice or subscribe to services. The credit check will fail to go through if your income lies below a certain limit (this information is gathered from the tax office) or if you have defaulted on a bill in the past leading to the state debt collector ("Kronofogden" [1], translates to "The Crown Bailiff") becoming involved. This leaves a mark on your record ("betalningsanmärkning") which stays there for 3 years after the debt has been paid. [1] https://en.wikipedia.org/wiki/Swedish_Enforcement_Authority https://en.wikipedia.org/wiki/Swedish_Enforcement_Authority