OpenSCHUFA – cracking the SCHUFA code
Are the scores created by SCHUFA, Germany's largest credit score company, unjust? Donate money or your SCHUFA data to help us find out.
You're stumped. A bank refuses you a loan, a mobile phone provider says 'no' to your application for a new phone contract and you keep being rejected by rental agencies. Then you find out it's because Germany's leading credit bure… Show more
What is this project all about?
Germany's largest credit score company, SCHUFA, has immense power over people's lives. A low SCHUFA score can leave you empty-handed - without an apartment, credit card, home loan and much more. But what if your SCHUFA score is low because there are mistakes in your credit history or your personal details are outdated? What if the score is calculated by a mathematical model that is biased?
The problem is, no one knows how accurate SCHUFA's data is and how t… Show more
What is the project goal and who is the project for?
We need your help to get the word out and encourage others to donate their SCHUFA records. That's easy to do, and doesn't cost you anything.
We want to hear about your experiences with SCHUFA. We would also like tenants' associations, housing services and consumer protection agencies to get in touch with their stories.
You can contact us at: info@openschufa.de
With your support, we want to achieve the following goals:
- Trigger debate. We want society to engage … Show more
Why would you support this project?
The SCHUFA score attempts to gather creditworthiness of people in a few numbers. These numbers are calculated automatically and they constitute the basis of crucial decisions. Therefore it is important to get clearer understanding of the scoring process.
How will we use the money if the project is successfully funded?
OpenSCHUFA will use your money to finance various aspects of the project, including developing software to collect and collate the information contained in SCHUFA's credit records, pay data analysts and publish our findings.
Break-down of funding needs:
22.000 € to develop the software (open source);
11.000 € for data analysis and publications;;
6.000 € for project management and public relations;
6.000 € (approximately) VAT for externally commissioned consulta… Show more
Who are the people behind the project?
OpenSCHUFA is run by the Open Knowledge Foundation Germany and AlgorithmWatch.
Open Knowledge Foundation Germany is a non-profit organization advocating for open knowledge, open data, transparency and civil participation.
AlgorithmWatch is a German non-profit organization that evaluates and sheds light on algorithmic and automatization processes with social relevance.
OpenSchufa
The all-or-nothing crowdfunding was successfully financed and completed
Denis (co-founder of Startnext)