Which data is displayed on credit information?
In the context of a credit check with legitimate interest according to Art. 6 Para. 1 Sentence 1 Lit. F EU GDPR, so-called negative data (e.g. collection procedures, submission or refusal of the asset information-analogous to the earlier insurance previously described in this way, are even earned earlier Revelation, data from insolvency proceedings), as well as so-called score values (assessment of the probability of payment), which are determined on the basis of mathematical-statistical procedures.
Can I influence my creditworthiness?
Only very limited! In any case, it is beneficial for a positive evaluation of your creditworthiness if you avoid behaviors that have negative influence. This includes: If you pay your invoices on time, you do not let it come to extrajudicial or judicial dunning procedures or debt collection! In the case of smaller amounts, consider whether you can manage them without borrowing. Even with the so -called 0 percent financing, it is not excluded that they can have an impact on your credit rating.
