Write down the date, product and which bank rejected the application.
Step by step: This is how you proceed
- Request information from the bank about the personal data processed.
- Ask about data sources, recipients and, if necessary, automated decisions.
- Check separately whether KSV or CRIF data is available.
- Compare the information you receive before requesting a correction.
What documents do you need?
Rejection letter, contact details used, date of application, existing information. Only send sensitive documents via a secure, official channel and only when actually necessary.
When should I act?
After receiving the rejection, you can obtain information; The response period generally begins with receipt of the application.
This limit is important
No promise that a bank will grant a loan after data correction. The bank's internal risk policy remains separate.
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
Can the bank always fully disclose the reason for the rejection?
Not every internal bank decision has to be disclosed with comprehensive reasons. However, information about personal data and information about certain automated decisions may be relevant.
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
- KSV1870 – Information according to Article 15 GDPR
- CRIF – free self-assessment
- 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
