Credit Scoring CRIF is one of the largest credit reference agencies in Austria. It has built up a largely unknown "shadow registry" containing the names, dates of birth and addresses of almost all adults in Austria. CRIF uses this data to assign people a score. For 90% of those affected, this score is based primarily on address, gender and age. Although this data does not allow for any real conclusions to be drawn about a person’s creditworthiness, the CRIF score often determines whether someone is granted a contract with mobile phone providers, electricity suppliers or banks. We are convinced that this unwarranted data collection and the scoring of people for whom no credit-relevant data is available violates the GDPR. noyb is therefore bringing an injunction and a class action for damages. Join the class action now! Sign up for the class action here:  crif.noyb.eu Background: How does data flow within the CRIF network? List of data providers in the CRIF network List of companies that purchase data from CRIF Frequently asked questions and answers about the CRIF project (FAQs) Information on noyb’s state recognition as a Qualified Entity What is CRIF? Hardly anyone has heard of “CRIF GmbH” before. Yet this credit reference agency holds the personal data of millions of people in Austria. Extensive research by noyb confirms that its database contains details such as names, dates of birth and home addresses. CRIF uses this information to assign people  a score between 250 and 700 upon request . However, CRIF has no financial information at all  for a good 90% of the people in its database. For these individuals, the score is based solely on age, gender and addresses. It therefore has little to do with a person’s actual creditworthiness – that is, their ability and willingness to pay. In practice, however, the score often determines whether consumers are granted a contract.  CRIF’s largest clients include mobile phone operators such as Magenta and Dr