In Germany traded not only goods but also personal data of our citizens. Details are in our country a commodity. Merchants and banks from credit bureaus collect information about the payment history and credit worthiness of customers. The credit reference agency, the protective association for general credit protection is by no means the only one. In Germany there are a number of companies on ongoing contracts and financial obligations as well as information about reminders, personal bankruptcies or lead to arrest warrants exactly. The so-called credit bureaus provide information for their parties such as banks, mail order mobile phone companies and insurance companies. On the other hand, they receive information reported by contractors in return.
In Germany we have six large agencies. wanted to include accumio, Burgel, Creditreform, Delta Vista, and of course our Infoscor Schufa
financial test to know whether these large agencies manage the data of citizens is accurate. Is why in Germany from December 2009 to March 2010 for the six major credit bureaus a number of subjects is obtained a credit report.
The purpose of this exercise was to ensure that data is stored on these subjects. In this case, the testers have reviewed your data set focuses on loans, credit cards, current accounts, mobile phone contracts, installment loans and trade accounts.
The secure evidence and financial test have wanted to know how to safely handle these criteria, the credit bureaus with their contractors. Conclusion: from 89 subjects were given only 11 of the Schufa completely correct information.
was struck by the particular missing data, such as checking accounts, credit cards, mobile phone contracts or ongoing loans.
on demand of financial self-test has the credit reference agency no information given about their contractors. For all other data collections, the data situation is more than thin.
The reason was that such agencies to store their own data on the personal data beyond just negative data. These negative data are
payment order proceedings, affidavits, warrants, or even bankruptcy.
financial test draws strong doubt in considering whether information about the citizens of creditworthiness, which originate from inaccurate and incomplete and outdated data to date and helpful.
The testers inquired of the bureaus, which characteristics is collected about a person and especially for how long. And whether this is a positive or negative effect on the assessment of creditworthiness. Unfortunately, there was also this, no information from them.
advice: Citizens beware!
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