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CJEU landmark rulings on “credit ranking” and review of DPAs

Personal Data
Dec 7, 2023 Source

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Credit Scoring Note: The judgments are not connected to noyb cases CJEU landmark rulings on “credit ranking” and review of DPAs The European Court of Justice (CJEU) today issued two landmark judgments in proceedings against the German credit reference agency SCHUFA, which previously enjoyed considerable freedom in Germany. The CJEU confirmed that national courts have extensive powers to scrutinize data protection authorities – thereby strengthening the rights of data subjects. Furthermore, the court ruled that the assignment of automatically calculated credit scores is not in line with the GDPR. Statement of the lawyer who represented one of the plaintiffs against SCHUFA CJEU press release What’s the business of credit ranking? Companies like SCHUFA are so-called credit reference agencies. They collect vast amounts of personal data in order to assign people an alleged creditworthiness. This score is used by banks and companies to assess if someone should get a loan or mobile phone cont

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