Twelve criteria play a role in assessing creditworthiness for consumers. These are

Criterion 1: Payment disruptions

Criterion 2: Age of the oldest bank contract

Criterion 3: Age of the oldest credit card

Criterion 4: Age of the current address

Criterion 5: Age of the most recent framework loan

Criterion 6: Number of inquiries and transactions for current accounts and credit cards in the past 12 months

Criterion 7: Number of inquiries outside the banking sector in the past 12 months

Criterion 8: Installment loans taken out in the past 12 months

Criterion 9: Longest remaining term of all installment loans

Criterion 10: Credit status

Criterion 11: Real estate loan

Criterion 12: Existence of an identity check

Click on the respective criterion for more information.