CJEU C-634/21: SCHUFA Scoring Is a Prohibited Automated Decision
Validated facts
Judgment of 7 Dec 2023. When banks and landlords make credit decisions largely dependent on the SCHUFA score, even creating the score falls under the ban on automated individual decisions (Art. 22 GDPR).
In plain language
Dethroning the secret score: A credit agency may not use a secret formula to effectively decide who gets an apartment or a loan.
Security relevance & practical tip
Gives consumers more transparency and objections against opaque creditworthiness assessments.
Primary source / reference
- EuGH Urteil vom 07.12.2023 – C-634/21