Credit agencies are used to assess borrowers in terms of their financial activities, credit rating and financial solvency. Credit agencies are private-sector companies that collect and process information on the creditworthiness of private individuals and commercial enterprises. Scores are calculated using this information (Scoring/Credit Check).

Below is a list of the main credit agencies in Germany:

• Schufa Holding AG
• CEG Creditreform Consumer GmbH (Creditreform)
• Deltavista GmbH
• CRIF Bürgel GmbH
• infoscore Consumer Data GmbH (Bertelsmann)
• accumio finance services gmbh (Telekom)
• Bisnode
  
  

The most important agencies in Austria are as follows:

• Kreditschutzverband von 1870 (KSV 1870)
• Alpenländischer Kreditorenverband (AKV)
• Bisnode
• GBI-Genios
• Intrum Justitia