CJEU C-634/21: SCHUFA Scoring Is a Prohibited Automated Decision
Fatti validati
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).
Spiegato in modo semplice
Dethroning the secret score: A credit agency may not use a secret formula to effectively decide who gets an apartment or a loan.
Rilevanza per la sicurezza e consiglio pratico
Gives consumers more transparency and objections against opaque creditworthiness assessments.
Fonte primaria / riferimento
- EuGH Urteil vom 07.12.2023 – C-634/21