Abstract
Credit scoring is a widespread practice that assigns a score based on certain characteristics or past behaviours, in particular regarding the reliability of debtors to repay loans. In most cases, the scoring is the basis for the decision of credit agencies for the acceptance of loan requests. However, there are still grey areas in which the balance between the transparency owed to the consumers regarding the processing of their financial data and the protection of trade secrets in favour of credit score agencies. Prof. Faletti and Dr Gallese will start their analysis from the guidelines of the CJEU and the national courts regarding credit scoring, following the SCHUFA decision (C-26/22 and C-64/22), and propose some reflections on the application of the art. 22 GDPR, taking into account not only the AI Act but also the most recent indications regarding the transparency requirements indicated by the Dun and Bradstreet Austria (C-203/22).