Collect written contacts, previous rejections and the period of the banking relationship.
Step by step: This is how you proceed
- Submit a request for information to the responsible bank.
- Describe the factual period and ask for personal information concerning you.
- Check the answer for incorrect or outdated entries.
- Provide concrete evidence for later correction.
What documents do you need?
Bank correspondence, previous contract data and verifiably correct information. Only send sensitive documents via a secure, official channel and only when actually necessary.
When should I act?
First information, then, if necessary, a separate request for correction.
This limit is important
Do not claim blanket access to all internal business records or a right to change legitimate risk assessments.
Free help outside DATENCHECK
Contact the bank first about a banking dispute. Eligible unresolved disputes may be referred to voluntary free banking mediation. Not every loan refusal is within its remit.
Check the official body and eligibility ↗Check the applicable remit and eligibility criteria. A GDPR request does not automatically suspend court or other important deadlines.
What can I do myself for free?
The statutory information and other rights of those affected can generally be exercised without DATA CHECK. The Austrian data protection authority offers samples that can be used free of charge. Private technical form preparation is only a voluntary additional service, not a prerequisite for exercising your rights.
According to the recommendation of the Austrian data protection authority, you should first request information and, if necessary, only then separately request correction or deletion. In principle, a request for information must be responded to within one month; a legally permissible extension is possible.
Frequent question
Does the right to information also apply to internal notes?
If internal notes contain personal data, they may fall under the right to information; Exceptions must be taken into account in individual cases.
Public sources and official contact points
The following links lead directly to public sources. DATENCHECK is neither affiliated with the credit agencies mentioned there nor is it an authority.
- Austrian data protection authority – rights of those affected
- Data Protection Authority – free forms and samples
Prepare appropriate request
You can use the free official channels yourself or prepare a technical draft form in DATENCHECK. We do not guarantee deletion, credit decision or government decision.
Private service · No legal advice · No government connection
