Wrong neighbors
The bank rejected the loan application? Despite good income and impeccable Schufaauskunft? This may be due to the score value. In addition to credit information, the bank receives namely Schufa a statistical extrapolation of the likelihood of a credit failure. On the basis of comparison persons with similar characteristics calculated Schufa how big is the risk of loan default. The more people find themselves in financial difficulties with similar Schufa data in the last 15 months, the worse the score value. Ratings range from zero (default risk 34.75 per cent) to 1000 (default risk 0.85 percent). What criteria are taken into account in which weighting, will not reveal the Schufa. They fear that poor debtor by the appropriate behavior can sneak a good rating, said a banker. However, it is emphasized by the Schufa that neither nationality nor residence within deprived neighborhoods are meant to play a role. Thus, the Schufa turns out as yet comparatively harmless scoring provider. Far less squeamish is the CEG, a subsidiary of the credit reporting agency reform, with its dynamic consumer information. Besides the usual credit information is priced at CEG to the inclusion of spatial information in the score. Behind this concept to make simple snooping hides the place of residence. Residents of single-family homes in sought neighborhoods get plus points, while it is strong swabs for living in apartment buildings, perhaps even in air jordan 11 retro for sale areas with commercial mixed use. The economical company boss who has a penthouse built for his family in the company roof, it may fall through the cracks. Worryingly reads a standard information, with the CEG advertises on the Internet: Extremely commercially used road, slightly above-average proportion of families with children, 40 to 50 percent of the surrounding residents are over 60 years old, the purchasing power index of the 400 surrounding households is 146, 45 points. In view of such details may be feeling watched quite. Also, the Pforzheimer scoring information provider advertises with systems for customers fluoroscopy, which could possibly make so many secret envious. Information linked to credit data with Adressund consumer data for direct marketing Schober Group of conveniently associate the information is. The consumer profiles obtained in this way are determined annually in the lifestyle so-called surveys. Meanwhile, detailed data on family, consumer behavior, air jordan 7 for sale income and assets of 3.5 million households are located in the Schober database. Wages of Schnüffelwut: In 2001, the information received the Big Brother Award, a negative of data protection associations initiated Medal for the most questionable handling of personal data.
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