Generally these are not applicable to credit scoring. The goal of this item is to breach the apparent objectivity that is attributed to automated decision making. The consumer has the right to a reasoned explanation behind the final decision. The consumer has the right to bring his individual situation into the decision making process. His view must be taken into account in the final decision.
Consumers have the right to insight in the background of the data processing.
If requested, the person responsible is required to explain how a decision was made. A notice to the consumer that the system has made a calculation of general and more specific data, with a negative result that the consumer does not meet the criteria for acceptance, is insufficient. Recommended procedure for processing data to a credit score Example - the request for a mobile phone subscription. The supplier is required to inform the client as to the acceptance procedure first. If a credit score is required, it is preferable to ask the client for his permission for this.