Companies are not allowed to decide whether to conclude contracts with customers solely based on an automated assessment of their creditworthiness by Germany’s Schufa credit agency. Schufa is a German private credit bureau supported by creditors which was set up to protect its clients from credit risks. It also offers protection from insolvency to borrowers. The European Court of Justice (ECJ) ruled in Luxembourg on Thursday that the so-called Schufa score should be regarded as a fundamentally prohibited “automated decision in individual cases” if Schufa’s customers give it a decisive role in …