{"id":27741,"date":"2023-12-09T19:04:07","date_gmt":"2023-12-09T19:04:07","guid":{"rendered":"https:\/\/www.2b-advice.com\/?post_type=post&p=27741"},"modified":"2024-05-25T14:54:42","modified_gmt":"2024-05-25T14:54:42","slug":"schufa-judgment-on-credit-reports","status":"publish","type":"post","link":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/","title":{"rendered":"Schufa judgment on credit reports"},"content":{"rendered":"
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t

EU court ruling on the recast of data retention and automated credit scoring: implications for credit institutions under the GDPR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The European Court of Justice (ECJ) has ruled in a case concerning Schufa and the Data protection<\/a> ruled that the automated creation of creditworthiness assessments by Schufa violates EU law if it is used as a decisive basis for credit decisions.<\/span><\/p>\n

In addition, credit reference agencies may not store data from public registers, such as insolvency court registers, for longer than the insolvency court itself. This decision could have far-reaching implications for the business model of credit reference agencies and their interfaces with other companies such as banks and retailers, as it directly affects the practices of credit reference agencies such as Schufa. It calls into question the permissibility of the automated creation of credit scores and the long-term storage of data from public registers. This could mean that Schufa and similar companies will have to revise their data collection and processing procedures in order to comply with the requirements of the GDPR. This in turn may have implications for banks, retailers and other businesses that use such data.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

EU court ruling on the recast of data storage and automated credit scoring: implications for credit institutions under the GDPR The European Court of Justice (ECJ) has ruled in a case on Schufa and data protection that the automated creation of credit scores by Schufa is in breach of EU law if it is used as a decisive basis for credit decisions. In addition, credit agencies are no longer allowed to use data from public directories, such as insolvency court registers, ...<\/p>","protected":false},"author":1,"featured_media":27743,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-27741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-datenschutz-unternehmen"],"yoast_head":"\nSchufa Urteil zur Kreditausk\u00fcnften<\/title>\n<meta name=\"description\" content=\"EuGH: Schufas automatisierte Kreditbewertungen versto\u00dfen gegen EU-Recht, wenn sie f\u00fcr Kreditentscheidungen ma\u00dfgeblich sind.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-judgment-on-credit-reports\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Schufa Urteil zur Kreditausk\u00fcnften\" \/>\n<meta property=\"og:description\" content=\"EuGH: Schufas automatisierte Kreditbewertungen versto\u00dfen gegen EU-Recht, wenn sie f\u00fcr Kreditentscheidungen ma\u00dfgeblich sind.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-judgment-on-credit-reports\/\" \/>\n<meta property=\"og:site_name\" content=\"Ailance\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-09T19:04:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-25T14:54:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/2b-advice.com\/wp-content\/uploads\/2023\/12\/Schufa-Urteil-zur-Kreditauskunften.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"768\" \/>\n\t<meta property=\"og:image:height\" content=\"751\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"2BAdviceAilance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"2BAdviceAilance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/\"},\"author\":{\"name\":\"2BAdviceAilance\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#\\\/schema\\\/person\\\/3288798779afc19fd56581c31f3b8ff8\"},\"headline\":\"Schufa Urteil zur Kreditausk\u00fcnften\",\"datePublished\":\"2023-12-09T19:04:07+00:00\",\"dateModified\":\"2024-05-25T14:54:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/\"},\"wordCount\":175,\"publisher\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/2b-advice.com\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Schufa-Urteil-zur-Kreditauskunften.jpg\",\"articleSection\":[\"Datenschutz\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/\",\"url\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/\",\"name\":\"Schufa Urteil zur Kreditausk\u00fcnften\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/2b-advice.com\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Schufa-Urteil-zur-Kreditauskunften.jpg\",\"datePublished\":\"2023-12-09T19:04:07+00:00\",\"dateModified\":\"2024-05-25T14:54:42+00:00\",\"description\":\"EuGH: Schufas automatisierte Kreditbewertungen versto\u00dfen gegen EU-Recht, wenn sie f\u00fcr Kreditentscheidungen ma\u00dfgeblich sind.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#primaryimage\",\"url\":\"https:\\\/\\\/2b-advice.com\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Schufa-Urteil-zur-Kreditauskunften.jpg\",\"contentUrl\":\"https:\\\/\\\/2b-advice.com\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Schufa-Urteil-zur-Kreditauskunften.jpg\",\"width\":768,\"height\":751},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/2023\\\/12\\\/09\\\/schufa-urteil-zur-kreditauskunften\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/2b-advice.com\\\/de\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Schufa Urteil zur Kreditausk\u00fcnften\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/\",\"name\":\"2B Advice\",\"description\":\"By 2B Advice\",\"publisher\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#organization\",\"name\":\"2B Advice GmbH\",\"url\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/2b-advice.com\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Ailance_Logo_Yellow_White_large_RGB.png\",\"contentUrl\":\"https:\\\/\\\/2b-advice.com\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Ailance_Logo_Yellow_White_large_RGB.png\",\"width\":287,\"height\":401,\"caption\":\"2B Advice GmbH\"},\"image\":{\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/2b-advice-group\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/2b-advice.com\\\/en\\\/#\\\/schema\\\/person\\\/3288798779afc19fd56581c31f3b8ff8\",\"name\":\"2BAdviceAilance\",\"sameAs\":[\"https:\\\/\\\/2b-advice.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Schufa judgment on credit reports","description":"ECJ: Schufa's automated credit assessments violate EU law if they are decisive for credit decisions.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-judgment-on-credit-reports\/","og_locale":"en_US","og_type":"article","og_title":"Schufa Urteil zur Kreditausk\u00fcnften","og_description":"EuGH: Schufas automatisierte Kreditbewertungen versto\u00dfen gegen EU-Recht, wenn sie f\u00fcr Kreditentscheidungen ma\u00dfgeblich sind.","og_url":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-judgment-on-credit-reports\/","og_site_name":"Ailance","article_published_time":"2023-12-09T19:04:07+00:00","article_modified_time":"2024-05-25T14:54:42+00:00","og_image":[{"width":768,"height":751,"url":"https:\/\/2b-advice.com\/wp-content\/uploads\/2023\/12\/Schufa-Urteil-zur-Kreditauskunften.jpg","type":"image\/jpeg"}],"author":"2BAdviceAilance","twitter_card":"summary_large_image","twitter_misc":{"Written by":"2BAdviceAilance","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#article","isPartOf":{"@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/"},"author":{"name":"2BAdviceAilance","@id":"https:\/\/2b-advice.com\/en\/#\/schema\/person\/3288798779afc19fd56581c31f3b8ff8"},"headline":"Schufa Urteil zur Kreditausk\u00fcnften","datePublished":"2023-12-09T19:04:07+00:00","dateModified":"2024-05-25T14:54:42+00:00","mainEntityOfPage":{"@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/"},"wordCount":175,"publisher":{"@id":"https:\/\/2b-advice.com\/en\/#organization"},"image":{"@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#primaryimage"},"thumbnailUrl":"https:\/\/2b-advice.com\/wp-content\/uploads\/2023\/12\/Schufa-Urteil-zur-Kreditauskunften.jpg","articleSection":["Datenschutz"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/","url":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/","name":"Schufa judgment on credit reports","isPartOf":{"@id":"https:\/\/2b-advice.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#primaryimage"},"image":{"@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#primaryimage"},"thumbnailUrl":"https:\/\/2b-advice.com\/wp-content\/uploads\/2023\/12\/Schufa-Urteil-zur-Kreditauskunften.jpg","datePublished":"2023-12-09T19:04:07+00:00","dateModified":"2024-05-25T14:54:42+00:00","description":"ECJ: Schufa's automated credit assessments violate EU law if they are decisive for credit decisions.","breadcrumb":{"@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#primaryimage","url":"https:\/\/2b-advice.com\/wp-content\/uploads\/2023\/12\/Schufa-Urteil-zur-Kreditauskunften.jpg","contentUrl":"https:\/\/2b-advice.com\/wp-content\/uploads\/2023\/12\/Schufa-Urteil-zur-Kreditauskunften.jpg","width":768,"height":751},{"@type":"BreadcrumbList","@id":"https:\/\/2b-advice.com\/en\/2023\/12\/09\/schufa-urteil-zur-kreditauskunften\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/2b-advice.com\/de\/"},{"@type":"ListItem","position":2,"name":"Schufa Urteil zur Kreditausk\u00fcnften"}]},{"@type":"WebSite","@id":"https:\/\/2b-advice.com\/en\/#website","url":"https:\/\/2b-advice.com\/en\/","name":"2B Advice","description":"By 2B Advice","publisher":{"@id":"https:\/\/2b-advice.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/2b-advice.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/2b-advice.com\/en\/#organization","name":"2B Advice GmbH","url":"https:\/\/2b-advice.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/2b-advice.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/2b-advice.com\/wp-content\/uploads\/2024\/02\/Ailance_Logo_Yellow_White_large_RGB.png","contentUrl":"https:\/\/2b-advice.com\/wp-content\/uploads\/2024\/02\/Ailance_Logo_Yellow_White_large_RGB.png","width":287,"height":401,"caption":"2B Advice GmbH"},"image":{"@id":"https:\/\/2b-advice.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/2b-advice-group\/"]},{"@type":"Person","@id":"https:\/\/2b-advice.com\/en\/#\/schema\/person\/3288798779afc19fd56581c31f3b8ff8","name":"2BAdviceAilance","sameAs":["https:\/\/2b-advice.com"]}]}},"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/posts\/27741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/comments?post=27741"}],"version-history":[{"count":3,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/posts\/27741\/revisions"}],"predecessor-version":[{"id":28648,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/posts\/27741\/revisions\/28648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/media\/27743"}],"wp:attachment":[{"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/media?parent=27741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/categories?post=27741"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/2b-advice.com\/en\/wp-json\/wp\/v2\/tags?post=27741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}