Request the free access report
Delete a KSV entry
Check the data and legal basis before requesting deletion of a KSV entry
Not every KSV entry is removed on request. Rights may include access, rectification and, where the legal conditions are met, erasure or restriction of processing.
What you should know
Delete a KSV entry
Start with an Article 15 GDPR access report.
Inaccurate or incomplete data may be rectified under Article 16 with supporting evidence.
Erasure under Article 17 requires a legal ground; a paid debt may remain marked as settled for a lawful period.
kredit4you.at cannot delete the record and does not provide legal representation.
What matters in a sound solution
Delete a KSV entry
Identify and prove the error
Distinguish rectification from erasure
Keep settlement evidence
Retain the written response
Who this may be suitable for
- You suspect an inaccurate or outdated KSV entry
- You can prove payment or settlement
- You need to identify the correct right
- You are organising data before financing
Documents commonly needed for review
- KSV access report
- Identity evidence
- Payment or settlement confirmation
- Contracts and correspondence
- Court or authority decisions
A precise request supported by evidence
Identify the exact entry, the requested action and the supporting evidence.
Paid does not always mean immediately deleted
Settlement must be recorded correctly; further retention depends on the data type and lawful basis.
The lending decision remains separate
Erasure does not replace the lender’s income and affordability assessment.
Official information
Official sources and further information
KSV1870: Article 15 GDPR access requestOfficial information on the free data report, stored information and deletion periods.KSV1870: data protection rightsOfficial guidance on access, rectification, erasure and restriction of processing.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
Can a KSV entry be deleted?
Yes where the legal conditions are met, but there is no automatic immediate deletion of every paid entry.
Is it deleted immediately after payment?
Not necessarily. The settled status must be correct and any lawful retention period is assessed separately.
What is the difference between rectification and erasure?
Rectification corrects inaccurate data; erasure removes data where a legal ground applies.
Is the KSV report free?
The Article 15 GDPR access report is generally free; an InfoPass is a different product.
How long does a response take?
The general GDPR response period is one month, subject to lawful extensions.
What if the request is refused?
Ask for reasons and consider a complaint to the Austrian Data Protection Authority or independent legal advice.
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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