GDPR Data processing modelCredit scoring process
By: Ludwig KarnethPurposes (3)
A purpose is the objective pursued by the setting up of your file. It indicates what the processing of personal data will be used for, its purpose. This purpose must be clear and understandable
Data categories (7)
Personal data is any information relating to an identified or identifiable natural person. A natural person can be identified either directly (eg surname and first name) or indirectly (eg phone number, social security number, email or postal address, but also voice or image)
Economic and financial situation of credit applicants
Data details
Data conservation rules
Active base:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Data on the characteristics of the credit transaction
Data details
Data conservation rules
Active base:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Banking situation of credit applicants
Data details
Data conservation rules
Active base:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Information on other household members of credit applicants
Data details
Definition
spouse, marital partner, child, parent, other dependent
Data conservation rules
Active base:
Duration of purpose when credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Personal situation of credit applicants
Data details
Definition
in the form of married life, friendships, family relationships, professional relationships
Definition
Owner, tenant, lodger, employer, first-time buyer
Definition
Single, married, cohabiting etc.
Data conservation rules
Active base:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. For credit applications transmitted online, cookies installed on the customer's computer are not retained after the applicant has been informed of the credit institution's final decision. Data taken into account when applying a score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and to check and maintain their quality
Guarantor information
Data details
Definition
Owner, tenant, lodger, employer, first-time buyer
Definition
Single, married, cohabiting etc.
Data conservation rules
Active base:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. Data taken into account when applying a score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Score application result data
Data details
Data conservation rules
Active base:
Duration of the purpose when the credit application is accepted. If the application is rejected, the information is kept for a maximum of 6 months from the date the application was submitted. The data taken into account when applying the score to a credit application may also be stored in an indirectly nominative form in databases whose statistical purpose is to establish score models and check and maintain their quality
Data subject (2)
A data subject is any person whose data is collected, retained or processed by the data processing. e.g. In a recruitement process, any candidate for a position proposed in recruitement management process
- Customers
- Other
Attribution / Pas d'utilisation commerciale
CC-BY-NC
