Identify the provider and item
Correct credit data
Correct inaccurate KSV or CRIF data with precise supporting evidence
Where data is inaccurate or incomplete, erasure is not always the right step. Article 16 GDPR provides a right to rectification and completion.
What you should know
Correct credit data
Typical errors include mistaken identity, an incorrect amount, a missing settlement marker or an incorrect address.
Obtain the report first, then clearly compare the stored and correct information.
While accuracy is being checked, restriction of processing may be relevant where the conditions are met.
Rectification does not guarantee a loan; the lender still assesses income and commitments.
What matters in a sound solution
Correct credit data
Compare incorrect and correct data
Attach clear evidence
Request written confirmation
Check an updated report
Who this may be suitable for
- There is mistaken identity or address
- Amount or settlement status is wrong
- The creditor confirmed a correction
- You are cleaning up data before applying
Documents commonly needed for review
- KSV or CRIF report
- Identity evidence
- Payment documents
- Contract or invoice
- Creditor confirmation or decision
Use a clear comparison
Set out what is stored and what the correct information is.
Check after rectification
Request confirmation and a new report.
Keep loan applications complete
Do not omit known commitments while a correction is pending.
Official information
Official sources and further information
KSV1870: data protection rightsOfficial guidance on access, rectification, erasure and restriction of processing.CRIF: GDPR questionsOfficial information on rectification, erasure, objection and reasons a request may be refused.Austrian Data Protection AuthorityOverview of access, rectification, erasure, restriction and complaint rights.
How a request with kredit4you.at works
How a request with kredit4you.at works
Start your request
Choose the financing type and enter the key details.
Review the situation
Income, current commitments, amount and purpose are considered together.
Complete documents
Only documents required for your case are requested.
Compare possibilities
Suitable routes are assessed. A binding decision can only be made by the lender.
Agree next steps
You receive a clear explanation and decide how you wish to proceed.
Frequently asked questions
Frequently asked questions
When is rectification appropriate?
Where the record may lawfully exist but its content is inaccurate or incomplete.
Do I need evidence?
Attach all available evidence supporting the correct information.
Can processing be restricted during review?
It may be possible under Article 18 where the conditions are met.
How should the request be written?
Identify the item, the inaccurate data, the correct data and the evidence.
Are previous recipients informed?
The GDPR provides notification duties in certain circumstances.
Can kredit4you correct the database?
No. Only the responsible data controller can change its records.
This content provides general information and does not replace an individual credit assessment. Terms, feasibility and the lending decision depend on personal details, documents and the rules of the respective lender.
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