SCHUFA
A German credit-information provider; Article 15 GDPR can provide a right to request access to personal data, subject to the applicable conditions and exceptions.
Full definition
SCHUFA (Schutzgemeinschaft für allgemeine Kreditsicherung) is a German credit-information provider. Its current corporate materials should be used for company statistics, products, and inquiry volumes rather than carrying historical figures into an evergreen definition. Under Article 15 GDPR, an eligible person can request access to personal data; the right is not limited to one free copy per year, although repeated, manifestly unfounded, or excessive requests can have different consequences. Accuracy disputes, deletion requests, scoring, and automated-decision rules require separate analysis under the applicable law and facts.
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Germany data removal guide →Related terms
Consumer Reporting Agency (CRA)
An entity that assembles consumer information into reports used for credit, employment, housing, or insurance decisions, regulated under the FCRA.
Credit Header Data
A term for identifying fields associated with a credit file, such as names, addresses, and other identifiers; FCRA treatment depends on the report, purpose, provider, and applicable law.
Automated Decision-Making
Decisions made solely by automated processing, without meaningful human involvement, that have significant effects on an individual; some laws regulate broader automated decision technology.
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