[pluijzer]

Just a heads up for people living in the EU, it is possible to have things like negative credit ratings removed on grounds of GPRD.

[yorwba]

... only if they're no longer considered necessary for the purpose of judging your creditworthiness. So in practice you're unlikely to get anything expunged ahead of schedule, filing a complaint only makes sense if the credit reporting agency kept your data for longer than they said they would (in Germany, this is 3 years at most).

[petesergeant]

Do you have a source that specifically states I can get a bad debt scrubbed from my credit rating under GDPR provisions? It doesn’t match my understating of GDPR at all.

[pluijzer]

I got my bad debt scrubbed this way. This was in the Netherlands. It is not always possible, some sources here (in Dutch): https://www.vldwadvocaten.nl/blog/bkr-en-avg-bezwaar-en-verz...