Record whether a new frame, increase or extension was refused.
Step by step: This is how you proceed
- Check the written information from the bank.
- Request information about the data processed about you and its origin.
- Check your KSV and CRIF information separately if relevant.
- If there are documented errors, then request a correction.
What documents do you need?
Date, previous frame size, bank notifications, existing credit reports. Only send sensitive documents via a secure, official channel and only when actually necessary.
When should I act?
Start documenting the facts on the day of the rejection.
This limit is important
A company is not automatically obliged to approve a desired credit limit.
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
Why don't I get a frame despite my income?
The decision can take many criteria into account. GDPR information can first be used to clarify which personal data has been processed.
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
