This page is an automatically translated test version. Check legal details against the original German publications of the Austrian authorities. This is not legal advice. German original
Loan rejected: Which data can I check?
A loan rejection does not automatically prove a negative KSV or CRIF entry. The bank may take different information and criteria into account.
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Internal bank notes: information and correction
Personal internal customer notes can also be the subject of a request for information. Limits, such as the rights of third parties, remain to be observed.
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Bank account rejected: Here's what to do
If the opening of a bank account is refused, data protection issues and any rights to a basic account should be kept separate.
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Overdraft or credit line rejected
A denied overdraft may be related to internal policies, performance or data sources; a negative entry is not automatically proven.
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Loan after personal bankruptcy: check data first
After a private bankruptcy has ended, judicial publications and credit agency data must be viewed separately. A new loan approval is not guaranteed.
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Automated credit decision: What rights exist?
If an application was assessed exclusively automatically, additional information rights and protection regulations according to Art. 22 GDPR may be relevant.
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In principle, you can assert statutory data protection rights yourself and free of charge.