{"id":25773,"date":"2023-12-09T10:33:14","date_gmt":"2023-12-09T08:33:14","guid":{"rendered":"https:\/\/kpw-relaunch.wp1.visual4.com\/does-schufa-score-violate-the-gdpr\/"},"modified":"2026-03-14T23:00:13","modified_gmt":"2026-03-14T21:00:13","slug":"does-schufa-score-violate-the-gdpr","status":"publish","type":"post","link":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/","title":{"rendered":"Does SCHUFA-Score violate the GDPR?"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull v4-pattern-hero v4-pattern-hero--post is-style-background-blend is-style-arrow has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-cover alignfull v4-pattern-hero__cover\" style=\"padding-top:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);min-height:75vh;aspect-ratio:unset;\"><img data-dominant-color=\"80649c\" data-has-transparency=\"false\" style=\"--dominant-color: #80649c;\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" sizes=\"auto, 100vw\" class=\"wp-block-cover__image-background wp-image-27221 size-large not-transparent\" alt=\"Verst\u00f6\u00dft SCHUFA-Score gegen DSGVO? Rechtsanwalt, Datenschutzrecht\" src=\"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg 1024w, https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-300x169.jpg 300w, https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-768x432.jpg 768w, https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1536x864.jpg 1536w, https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-2048x1152.jpg 2048w\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-base-background-color has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div style=\"height:5em\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-1d4b5d69 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\r\n<h1 id=\"multirow-headline-block_1aac758ac143e30a34537a2d0506d4b5\" class=\"wp-block-visual4-multirow-headline\">\r\n    <div class=\"wp-block-visual4-multirow-headline\">\n\n<p class=\"has-gigantic-font-size\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">SCHUFA score.<\/p>\n\n\n\n<p class=\"has-text-align-left has-huge-font-size\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:15%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">Violation of<\/p>\n\n\n\n<p class=\"has-contrast-color has-text-color has-link-color has-gigantic-font-size wp-elements-a967ff45f5c7e33e5dcb19e7f96d74e9\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\"><span class=\"v4-marker-highlight-background\">GDPR?<\/span><\/p>\n\n<\/div> \r\n<\/h1>\n\n\n<div class=\"wp-block-group has-small-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-76c96157 wp-block-group-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;padding-top:0;padding-bottom:0;font-style:italic;font-weight:300;text-transform:uppercase\"><div style=\"font-style:italic;font-weight:300;text-transform:uppercase;\" class=\"wp-block-post-date has-small-font-size\"><time datetime=\"2023-12-09T10:33:14+02:00\">9. December 2023<\/time><\/div>\n\n\n<p>from<\/p>\n\n\n<div style=\"font-style:italic;font-weight:600;\" class=\"wp-block-post-author-name\">Clemens Pfitzer<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-c93ec0be wp-block-group-is-layout-constrained\">\n<p><strong>The SCHUFA score is feared by some consumers and is used by companies to assess creditworthiness. But does the SCHUFA score possibly violate data protection law?   <\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-arger-mit-der-schufa\">Trouble with SCHUFA<\/h2>\n\n<p>Several people were refused loans due to their poor SCHUFA score. Those affected then requested SCHUFA to provide information about the <a href=\"https:\/\/kpw.law\/topics\/personenbezogene-daten-im-datenschutz\/\">personal data<\/a> stored and to delete the data they considered to be incorrect. <\/p>\n\n<p>SCHUFA responded with information about the level of its SCHUFA score and explained in broad terms how the score values are calculated. However, SCHUFA refused to disclose the individual pieces of information taken into account in this calculation and their weighting, citing its trade and business secrecy. SCHUFA limits itself to providing information to its contractual partners. The contractual decisions are made by them.   <\/p>\n\n<p>The data subjects then turned to the Hessian State Data Protection Commissioner as the competent supervisory authority to enforce their <a href=\"https:\/\/kpw.law\/rechtsgebiet\/datenschutzrecht\/\">data protection <\/a>claims for information and deletion. The Hessian State Data Protection Commissioner rejected this on the grounds that it had not been proven that SCHUFA was not fulfilling its data protection requirements in accordance with the German scoring regulations in the BDSG. <\/p>\n\n<p>The affected citizens appealed to the Wiesbaden Administrative Court, which referred the matter to the ECJ<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-die-schufa-und-der-schufa-score\">SCHUFA and the SCHUFA score<\/h2>\n\n<p><a href=\"https:\/\/www.schufa.de\/index.jsp\">SCHUFA<\/a> is a private German company that provides information on the creditworthiness of third parties, in particular consumers.<\/p>\n\n<p>Scoring is a mathematical-statistical procedure that makes it possible to predict the probability of future behavior, such as the repayment of a loan. The assessment is based on the assumption that similar behavior can be predicted by assigning a person to a group of other people with similar characteristics who have behaved in a certain way. At SCHUFA, this is the SCHUFA score.  <\/p>\n\n<p>Certain human characteristics are used for the calculation. This also includes information on the granting of residual debt discharge. While the German public insolvency register only stores this information for six months, credit agencies such as SCHUFA store it in their own databases for three years.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-eugh-zum-schufa-score\">ECJ on the SCHUFA score<\/h2>\n\n<p>The ECJ has ruled  <a href=\"https:\/\/curia.europa.eu\/juris\/document\/document.jsf;jsessionid=E0D2E97D82AE6EDD43DE8219050D8231?text=&amp;docid=280426&amp;pageIndex=0&amp;doclang=DE&amp;mode=lst&amp;dir=&amp;occ=first&amp;part=1&amp;cid=28104\">Judgment of 07.12.2023 &#8211; Ref. C-634\/21   <\/a>initially stated that such \u201cscoring\u201d should be regarded as an \u201cautomated decision in individual cases\u201d prohibited by the GDPR if the score plays a decisive role in the granting of credit.  <\/p>\n\n<p><span id=\"pagePrincipale\">Insofar as the Federal Data Protection Act (BDSG) provides for regulations that allow this, the administrative court must assess whether these contain a valid exception to this fundamental prohibition in accordance with the GDPR. <\/span><\/p>\n\n<p><span id=\"pagePrincipale\">However, even if this were the case and scoring were permissible on this basis, the Wiesbaden Administrative Court would have to examine whether the general<br \/>requirements for data processing provided for in the GDPR were met.<\/span><\/p>\n\n<p><span id=\"pagePrincipale\">With regard to the data subject&#8217;s right to information, the judges stated that the data subject had a right to information from SCHUFA and that SCHUFA could not simply invoke its business secrecy. In particular, meaningful information about the logic involved and the scope and intended effects of such processing for the data subject must be provided.   <\/span><\/p>\n\n<p>With regard to the long storage period of data on the residual debt discharge of affected persons, the Luxembourg judges consider this to be unlawful after 6 months.<\/p>\n\n<p>The discharge of residual debt granted is intended to enable the person concerned to participate in economic life again and is therefore of existential importance to them. This information would always be considered a negative factor when assessing the creditworthiness of the person concerned. As this information may only be stored in the insolvency register in Germany for 6 months, the interests of the person concerned in the deletion of the information outweigh those of the public in having this information at their disposal.  <\/p>\n\n<p>The Wiesbaden Administrative Court will now have to review the decision of the Hessian State Data Protection Commissioner on the basis of these standards. In this respect, the ECJ emphasizes that the national courts must be able to subject every legally binding decision of a<br \/>supervisory authority to a full review of its content. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-fazit\">Conclusion<\/h2>\n\n<div class=\"wp-block-columns v4-pattern-text-copy-half-col is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>In future, SCHUFA and other credit agencies will have to make their scoring procedures more transparent and also provide the relevant information to data subjects. Information on residual debt discharge will have to be deleted more quickly. Overall, SCHUFA will have to adapt its SCHUFA score and its handling of it, as the current practice does not meet the requirements of the GDPR.  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80)\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide v4-pattern-cta-box has-secondary-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-a7c0d175 wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-right:0;padding-bottom:0\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-top v4-pattern-cta-box__columns is-layout-flex wp-container-core-columns-is-layout-ec2e7a44 wp-block-columns-is-layout-flex\" style=\"padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-column is-vertically-aligned-top v4-pattern-cta-box__columns-column is-layout-flow wp-container-core-column-is-layout-bce6ca70 wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--50);padding-bottom:0;flex-basis:60%\">\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-right is-layout-constrained wp-container-core-group-is-layout-5c12a1d1 wp-block-group-is-layout-constrained\">\r\n<div id=\"multirow-headline-block_b6ac63e56da5045ac70c49a96e043704\" class=\"wp-block-visual4-multirow-headline alignwide\">\r\n    <div class=\"wp-block-visual4-multirow-headline\">\n\n<p class=\"has-text-align-left has-huge-font-size\" style=\"margin-top:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:1;text-transform:uppercase\">We are happy to<\/p>\n\n\n\n<p class=\"has-text-align-left has-x-large-font-size\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:8%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:0.9;text-transform:uppercase\">advise you about<\/p>\n\n\n\n<p class=\"has-text-align-left has-huge-font-size\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0%;padding-top:0;padding-bottom:0;font-style:normal;font-weight:1000;line-height:0.9;text-transform:uppercase\">Data protection!<\/p>\n\n<\/div> \r\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-5c3c14bb wp-block-group-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\">\r\n\r\n<div class=\"wp-block-visual4-contact-modal__button\">\r\n            \r\n        <div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\r\n            \r\n\r\n<div class=\"wp-block-button v4-contact-modal-button is-style-fill\" style=\"font-style:normal;font-weight:600\" data-form-id=\"8\"><a class=\"wp-block-button__link has-contrast-color has-base-background-color has-text-color has-background has-link-color wp-element-button\">Contact us now!<\/a><\/div>\r\n\r\n        <\/div>\r\n        \r\n    <\/div>\n\n\n<div class=\"wp-block-buttons is-style-mobile-only is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fc4fd283 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-arrow is-style-fill\"><a class=\"wp-block-button__link has-base-background-color has-background wp-element-button\" href=\"tel:4971141019030\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50);font-style:normal;font-weight:600\">Call now!<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top v4-pattern-cta-box__columns-column v4-pattern-cta-box__columns-column--image is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<figure class=\"wp-block-image size-full v4-pattern-cta-box__columns-column__image\"><img loading=\"lazy\" decoding=\"async\" width=\"948\" height=\"775\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" src=\"https:\/\/kpw.law\/wp-content\/uploads\/Clemens-Pfitzer-Rechtsanwalt.png\" alt=\"Clemens Pfitzer, lawyer, certified expert in intellectual property law, certified expert in IT-law, partner, competition law, trademark law, patent law, design law, know-how protection, IT-law, data protection law, copyright law, e-commerce\" class=\"wp-image-23370\" srcset=\"https:\/\/kpw.law\/wp-content\/uploads\/Clemens-Pfitzer-Rechtsanwalt.png 948w, https:\/\/kpw.law\/wp-content\/uploads\/Clemens-Pfitzer-Rechtsanwalt-300x245.png 300w, https:\/\/kpw.law\/wp-content\/uploads\/Clemens-Pfitzer-Rechtsanwalt-768x628.png 768w\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law? <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4904],"tags":[5450,5449,5451,5448,5446,5447,5452],"thema":[4941],"rechtsgebiet":[4940],"produkt":[4936,5065,5007,4937,5006],"class_list":["post-25773","post","type-post","status-publish","format-standard","hentry","category-general","tag-automated-decision","tag-credit-agency","tag-creditworthiness","tag-data-protection-law-schufa-notification-claims-disputed-data-transmission","tag-schufa-en","tag-schufa-report","tag-schufa-score-en","thema-data-protection","rechtsgebiet-data-protection-law","produkt-advice-on-data-protection-law","produkt-advice-on-information-obligations-in-e-commerce","produkt-e-commerce-consulting","produkt-external-data-protection-officer","produkt-general-terms-and-conditions-contract-texts-e-commerce"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SCHUFA-Score SCHUFA-Score - Violation of GDPR?<\/title>\n<meta name=\"description\" content=\"The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does SCHUFA-Score violate the GDPR?\" \/>\n<meta property=\"og:description\" content=\"The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/\" \/>\n<meta property=\"og:site_name\" content=\"KPW Rechtsanw\u00e4lte und Fachanw\u00e4lte\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-09T08:33:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-14T21:00:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Clemens Pfitzer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@clemenspfitzer\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Clemens Pfitzer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/\"},\"author\":{\"name\":\"Clemens Pfitzer\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#\\\/schema\\\/person\\\/bb7a5be61de17c2c027e254e249214bd\"},\"headline\":\"Does SCHUFA-Score violate the GDPR?\",\"datePublished\":\"2023-12-09T08:33:14+00:00\",\"dateModified\":\"2026-03-14T21:00:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/\"},\"wordCount\":759,\"publisher\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kpw.law\\\/wp-content\\\/uploads\\\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg\",\"keywords\":[\"Automated decision\",\"Credit agency\",\"Creditworthiness\",\"Data protection law Schufa notification Claims disputed Data transmission\",\"SCHUFA\",\"SCHUFA report\",\"SCHUFA score\"],\"articleSection\":[\"General\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/\",\"url\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/\",\"name\":\"SCHUFA-Score SCHUFA-Score - Violation of GDPR?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kpw.law\\\/wp-content\\\/uploads\\\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg\",\"datePublished\":\"2023-12-09T08:33:14+00:00\",\"dateModified\":\"2026-03-14T21:00:13+00:00\",\"description\":\"The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#primaryimage\",\"url\":\"https:\\\/\\\/kpw.law\\\/wp-content\\\/uploads\\\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg\",\"contentUrl\":\"https:\\\/\\\/kpw.law\\\/wp-content\\\/uploads\\\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/does-schufa-score-violate-the-gdpr\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/kpw.law\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Does SCHUFA-Score violate the GDPR?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/kpw.law\\\/en\\\/\",\"name\":\"KPW PartmbB \u2013 Rechtsanw\u00e4lte und Fachanw\u00e4lte\",\"description\":\"Rechtsanw\u00e4lte f\u00fcr IP- und IT-Recht\",\"publisher\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#organization\"},\"alternateName\":\"kpw.law\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/kpw.law\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#organization\",\"name\":\"KPW PartmbB\",\"alternateName\":\"KPW\",\"url\":\"https:\\\/\\\/kpw.law\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/kpw.law\\\/wp-content\\\/uploads\\\/kpw.law_.png\",\"contentUrl\":\"https:\\\/\\\/kpw.law\\\/wp-content\\\/uploads\\\/kpw.law_.png\",\"width\":669,\"height\":669,\"caption\":\"KPW PartmbB\"},\"image\":{\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/kpw\"],\"description\":\"KPW ist eine auf IP und IT-Recht spezialisierte Kanzlei mit Rechts- und Fachanw\u00e4lten in Stuttgart. KPW ber\u00e4t Unternehmen in den Bereichen Wettbewerbsrecht, Markenrecht, Designrecht, Urheberrecht, IT-Recht, Patentrecht, Datenschutzrecht, E-Commerce und Know-How-Schutz.\",\"email\":\"info@kpw.law\",\"telephone\":\"+4971141019030\",\"legalName\":\"KPW PartmbB\",\"foundingDate\":\"2010-04-01\",\"vatID\":\"DE270757792\",\"duns\":\"341580247\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1\",\"maxValue\":\"10\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/kpw.law\\\/en\\\/#\\\/schema\\\/person\\\/bb7a5be61de17c2c027e254e249214bd\",\"name\":\"Clemens Pfitzer\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dc1ba1c2897d08484345b3e1c9524bf03ed6b3ef6bf06ef8b3f8811c1fb6c38e?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dc1ba1c2897d08484345b3e1c9524bf03ed6b3ef6bf06ef8b3f8811c1fb6c38e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dc1ba1c2897d08484345b3e1c9524bf03ed6b3ef6bf06ef8b3f8811c1fb6c38e?s=96&d=mm&r=g\",\"caption\":\"Clemens Pfitzer\"},\"description\":\"Rechtsanwalt, Fachanwalt f\u00fcr gewerblichen Rechtsschutz und Fachanwalt f\u00fcr IT-Recht, t\u00e4tig in den Bereichen Markenrecht, Wettbewerbsrecht, Urheberrecht, Designrecht, Know-How-Schutz, Patentrecht, IT-Recht, E-Commerce, Datenschutz\",\"sameAs\":[\"https:\\\/\\\/kpw.law\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/pfitzer\\\/\",\"https:\\\/\\\/x.com\\\/clemenspfitzer\"],\"gender\":\"m\u00e4nnlich\",\"knowsAbout\":[\"Markenrecht\",\"Wettbewerbsrecht\",\"Designrecht\",\"Urheberrecht\",\"E-Commerce\",\"Datenschutzrecht\",\"Patentrecht\",\"IT-Recht\",\"Softwarelizenzen\",\"Gesch\u00e4ftsgeheimnisse\"],\"knowsLanguage\":[\"Englisch\",\"Deutsch\"],\"jobTitle\":\"Rechtsanwalt, Fachanwalt f\u00fcr gewerblichen Rechtsschutz, Fachanwalt f\u00fcr IT-Recht\",\"worksFor\":\"KPW PartmbB\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"SCHUFA-Score SCHUFA-Score - Violation of GDPR?","description":"The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/","og_locale":"en_US","og_type":"article","og_title":"Does SCHUFA-Score violate the GDPR?","og_description":"The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law?","og_url":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/","og_site_name":"KPW Rechtsanw\u00e4lte und Fachanw\u00e4lte","article_published_time":"2023-12-09T08:33:14+00:00","article_modified_time":"2026-03-14T21:00:13+00:00","og_image":[{"width":2560,"height":1440,"url":"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-scaled.jpg","type":"image\/jpeg"}],"author":"Clemens Pfitzer","twitter_card":"summary_large_image","twitter_creator":"@clemenspfitzer","twitter_misc":{"Written by":"Clemens Pfitzer","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#article","isPartOf":{"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/"},"author":{"name":"Clemens Pfitzer","@id":"https:\/\/kpw.law\/en\/#\/schema\/person\/bb7a5be61de17c2c027e254e249214bd"},"headline":"Does SCHUFA-Score violate the GDPR?","datePublished":"2023-12-09T08:33:14+00:00","dateModified":"2026-03-14T21:00:13+00:00","mainEntityOfPage":{"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/"},"wordCount":759,"publisher":{"@id":"https:\/\/kpw.law\/en\/#organization"},"image":{"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#primaryimage"},"thumbnailUrl":"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg","keywords":["Automated decision","Credit agency","Creditworthiness","Data protection law Schufa notification Claims disputed Data transmission","SCHUFA","SCHUFA report","SCHUFA score"],"articleSection":["General"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/","url":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/","name":"SCHUFA-Score SCHUFA-Score - Violation of GDPR?","isPartOf":{"@id":"https:\/\/kpw.law\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#primaryimage"},"image":{"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#primaryimage"},"thumbnailUrl":"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg","datePublished":"2023-12-09T08:33:14+00:00","dateModified":"2026-03-14T21:00:13+00:00","description":"The SCHUFA score often determines creditworthiness. But does the SCHUFA score possibly violate data protection law?","breadcrumb":{"@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#primaryimage","url":"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg","contentUrl":"https:\/\/kpw.law\/wp-content\/uploads\/Verstoesst-SCHUFA-Score-gegen-DSGVO-1024x576.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/kpw.law\/en\/does-schufa-score-violate-the-gdpr\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/kpw.law\/en\/"},{"@type":"ListItem","position":2,"name":"Does SCHUFA-Score violate the GDPR?"}]},{"@type":"WebSite","@id":"https:\/\/kpw.law\/en\/#website","url":"https:\/\/kpw.law\/en\/","name":"KPW PartmbB \u2013 Rechtsanw\u00e4lte und Fachanw\u00e4lte","description":"Rechtsanw\u00e4lte f\u00fcr IP- und IT-Recht","publisher":{"@id":"https:\/\/kpw.law\/en\/#organization"},"alternateName":"kpw.law","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kpw.law\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/kpw.law\/en\/#organization","name":"KPW PartmbB","alternateName":"KPW","url":"https:\/\/kpw.law\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kpw.law\/en\/#\/schema\/logo\/image\/","url":"https:\/\/kpw.law\/wp-content\/uploads\/kpw.law_.png","contentUrl":"https:\/\/kpw.law\/wp-content\/uploads\/kpw.law_.png","width":669,"height":669,"caption":"KPW PartmbB"},"image":{"@id":"https:\/\/kpw.law\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/kpw"],"description":"KPW ist eine auf IP und IT-Recht spezialisierte Kanzlei mit Rechts- und Fachanw\u00e4lten in Stuttgart. KPW ber\u00e4t Unternehmen in den Bereichen Wettbewerbsrecht, Markenrecht, Designrecht, Urheberrecht, IT-Recht, Patentrecht, Datenschutzrecht, E-Commerce und Know-How-Schutz.","email":"info@kpw.law","telephone":"+4971141019030","legalName":"KPW PartmbB","foundingDate":"2010-04-01","vatID":"DE270757792","duns":"341580247","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}},{"@type":"Person","@id":"https:\/\/kpw.law\/en\/#\/schema\/person\/bb7a5be61de17c2c027e254e249214bd","name":"Clemens Pfitzer","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/dc1ba1c2897d08484345b3e1c9524bf03ed6b3ef6bf06ef8b3f8811c1fb6c38e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dc1ba1c2897d08484345b3e1c9524bf03ed6b3ef6bf06ef8b3f8811c1fb6c38e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/dc1ba1c2897d08484345b3e1c9524bf03ed6b3ef6bf06ef8b3f8811c1fb6c38e?s=96&d=mm&r=g","caption":"Clemens Pfitzer"},"description":"Rechtsanwalt, Fachanwalt f\u00fcr gewerblichen Rechtsschutz und Fachanwalt f\u00fcr IT-Recht, t\u00e4tig in den Bereichen Markenrecht, Wettbewerbsrecht, Urheberrecht, Designrecht, Know-How-Schutz, Patentrecht, IT-Recht, E-Commerce, Datenschutz","sameAs":["https:\/\/kpw.law","https:\/\/www.linkedin.com\/in\/pfitzer\/","https:\/\/x.com\/clemenspfitzer"],"gender":"m\u00e4nnlich","knowsAbout":["Markenrecht","Wettbewerbsrecht","Designrecht","Urheberrecht","E-Commerce","Datenschutzrecht","Patentrecht","IT-Recht","Softwarelizenzen","Gesch\u00e4ftsgeheimnisse"],"knowsLanguage":["Englisch","Deutsch"],"jobTitle":"Rechtsanwalt, Fachanwalt f\u00fcr gewerblichen Rechtsschutz, Fachanwalt f\u00fcr IT-Recht","worksFor":"KPW PartmbB"}]}},"_links":{"self":[{"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/posts\/25773","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/comments?post=25773"}],"version-history":[{"count":6,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/posts\/25773\/revisions"}],"predecessor-version":[{"id":31934,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/posts\/25773\/revisions\/31934"}],"wp:attachment":[{"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/media?parent=25773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/categories?post=25773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/tags?post=25773"},{"taxonomy":"thema","embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/thema?post=25773"},{"taxonomy":"rechtsgebiet","embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/rechtsgebiet?post=25773"},{"taxonomy":"produkt","embeddable":true,"href":"https:\/\/kpw.law\/en\/wp-json\/wp\/v2\/produkt?post=25773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}