Help & Contact for Private Individuals

KSV1870 mainly keeps records of all your current credit relationships and your payment history to date. Please note: Most of the information is positive. Approximately half of Austria's adult population have an entry because they have taken out a loan. If the instalments are always paid on time, that is positive information. This is different in case of payment issues or an insolvency.

To find out, you will need a data subject access report in acc. with Article 15 GDPR. It will be sent to you within the one-month statutory period. This report is free of charge. It can be ordered online, by email (ksv.auszug@ksv.at), or by post (KSV1870 Information GmbH, Wagenseilgasse 7, 1120 Vienna). 

You will receive an e-mail with a PDF download link. Click to download the requested information. 

Order here.

For our credit reports, we process the following personal data: 

• Name
• Date of birth
• Address (street, street number, postcode, city/town)
• Former names
• Former addresses
• Business responsibilities such as commercial positions
• Equity interests held
• General information from the company register and/or the land register
• Insolvency information
• Payment records

Other information related to credit rating that is publicly accessible or that you have provided us with.

An entry is made in the following cases

• When an overdraft facility is granted: amount and period
• When a loan is taken out: maturity or whether instalments are being paid on time
• When an instalment loan is taken out (e.g. car lease, instalment loans in home centres or at electronics retailers, etc.)
• In the event of credit requests
• Accelerated credit lines (current accounts)
• Acceleration of credit card invoices or credit instalments
• Debt recovery reminders
• Personal insolvency or insolvency proceedings
• Forced sales/attachments
• Misuse of ATM cards or credit cards

To protect consumers from becoming over-indebted and companies from payment defaults.

That varies. The period of retention depends on the type of entry made (from 90 days to 7 years). As a general rule, the following applies: the more serious the payment issue, the longer the retention period. The retention period is longest for insolvencies because they are the most serious kind of payment default.

Your data can be disclosed to recipients – but only if they have a predominantly legitimate interest. That is usually the case when the payment default risk needs to be assessed prior to closing a deal or entering into a contract (creditor protection). KSV1870 maintains the Business Database, ConsumerCreditRecords, and the Austrian bank warning list. There are strict rules that specify which companies or organisations are allowed to retrieve information from which database.

Please send an email to ksv.auszug@ksv.at. If you have had a name change, please send the following documents: scan/photograph of your official photo ID and, if applicable, a scan/photograph of your marriage certificate.

Yes, insolvencies are recorded by KSV1870.

Please contact us by email at ksv.auszug@ksv.at and explain the situation to us in as much detail as possible. We will review and correct the entry where appropriate.

The Business Database contains information about 640,000 businesses and 7.5 million personal data records in Austria. 

Generally, businesses and private individuals can access information if they have a legitimate interest. That is usually the case when the payment default risk needs to be assessed prior to closing a deal or entering into a contract (creditor protection).

The ConsumerCreditRecords comprises over four million consumer credit relationships. Only banks, lending insurance companies, and leasing companies headquartered in the European single market can log in and request information. The purpose is to protect the lending industry from financial losses and to ensure that private individuals do not take out loans from different institutions in such a way that they end up unable to repay the debt because the sum total of their debt exceeds their ability to repay. 

The Austrian bank warning list includes credit information about private individuals, particularly payment issues and behaviour in breach of contract. Only banks have access to this database.