The valued client credit scoring and privacy Credit scoring Credit rating is a method of utilizing available information in such a way that future payment behaviour can be predicted.
Credit scoring is a form of profiling.
It can be exercised on or applied to both companies and individual citizens. This report focuses on credit scoring for consumers by third parties such as information or credit rating agencies. In this case it is the privacy interest that is the pressing issue. The report describes the operating procedure of two trade information agencies that provide suppliers of services and products with information on the creditworthiness of customers. Generally the information agency analyses the clientele of the supplier concerned.