https://finanza.no/lan-med-betalingsanmerkning/

A payment remark is more likely to appear on credit reports such as late payment, collection or overdue accounts. A payment remark suggests to a lending institution that the individual is most likely than others to default on future loan payments. This can lead to loss of money for the lender. A lot of lenders choose to provide just to customers who do not have remarks to reduce the risk. While other lending institutions see this as a business opportunity, providing loans to customers with bad credit. These loans should be protected by a home mortgage on property.