What is a self-disclosure?"For the conclusion of the contract, we need a current self-disclosure from you" - it is often in a sentence like this that you hear the term self-disclosure for the first time. It usually means a credit report that helps the potential contract partner to get an overview of your financial and economic situation. Self-disclosure in the sense of data protection law, however, means data disclosure in accordance with Article 15 of the EU General Data Protection Regulation - GDPR for short. Unlike the self-disclosure that can be obtained from credit agencies, the data disclosure pursuant to the GDPR provides an overview of all personal data that is processed about you by the body responsible according to data protection law.
What is a credit report?Whether it is opening an account, applying for a loan, looking for a flat or leasing a car: There are many cases in which a self-disclosure is required. This self-disclosure is an assessment of your creditworthiness. This assessment is made by credit agencies and is actually called a credit report.
What does a debt collection procedure cost?Various costs may arise in the course of debt collection proceedings. First of all, there are the actual collection costs. These are the costs incurred for the activities of the collection agency. In addition, there are also so-called third-party costs. These are costs that have to be paid to other parties involved in connection with the collection procedure. These include, for example, the costs of address investigations or chargebacks, for a bailiff or a court.