Ask objectively whether only automated processing was involved in the decision.
Step by step: This is how you proceed
- Request information about automated decisions, including, where appropriate, meaningful information about the logic involved.
- Distinguish automated support from fully automated decisions.
- Save rejection and response from bank.
- If the legal situation is disputed, seek specialized advice.
What documents do you need?
Rejection letter, application, response to the request for information. Only send sensitive documents via a secure, official channel and only when actually necessary.
When should I act?
Requests can be made after rejection; If in doubt, first clarify the nature of the decision.
This limit is important
Not every software-supported credit check is automatically an exclusively automated decision according to Art. 22.
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
Am I always entitled to access the entire algorithm?
No. Information rights are specifically regulated and are not generally equivalent to the disclosure of trade secrets.
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
