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A borrower’s assessment involves the collection and evaluation of information from:
- Credit agencies (SCHUFA, CreditReform, etc.)
- Blacklists
- Warning lists
- PEP – - Politically exposed person
- Scoring
- Credit check
- Budget account
The capture and evaluation of this information serve as a basis for determining the potential credit line (volumes, repayment terms, instalment amount) and for approving the request for credit.